10-Q
2012-09-30
false
Sunshine Financial Inc
0001500837
--06-30
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<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>1.  <b>Organization and Basis of Presentation</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Sunshine Financial, Inc. ("Sunshine Financial" or the "Holding Company"), a Maryland corporation, is the holding company for Sunshine Savings Bank (the "Bank") and owns all the outstanding common stock of the Bank.  The Bank completed its reorganization from the mutual to stock holding company form of organization on April 5, 2011. A total of 1,234,454 shares of common stock were sold in the subscription and community offerings at a price of $10.00 per share.  In accordance with the Plan of Conversion and Reorganization (the "Plan"), the Holding Company has succeeded to all rights and obligations of Sunshine Savings MHC and the old Sunshine Financial, Inc. ("Old Sunshine").  See Note 14 for details of the conversion.  The transaction was accounted for as a reorganization of entities under common control at historical cost and, the financial data for periods presented include the results of the Bank.  The unaudited, condensed consolidated financial statements include the consolidated results of operations of Old Sunshine and its subsidiary, the Bank.  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Holding Company's only business is the operation of the Bank.  The Bank, through its four banking offices, provides a variety of retail community banking services to individuals and businesses primarily in Leon County, Florida. The Bank's deposits are insured up to the applicable limits by the Federal Deposit Insurance Corporation. The Bank's subsidiary is Sunshine Member Insurance Services, Inc. ("SMSI"), which was established to sell automobile warranty and credit life and disability insurance products associated with loan products. Collectively the entities are referred to as the "Company."</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>These condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and Article 8-03 of Regulation S-X and do not include all disclosures required by generally accepted accounting principles for a complete presentation of the Company's financial condition and results of operations.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>In the opinion of management, the information reflects all adjustments (consisting only of normal recurring adjustments) which are necessary in order to make the financial statements not misleading and for a fair representation of the results of operations for such periods.  The results for the three and nine-month periods ended September 30, 2012 should not be considered as indicative of results for a full year. </p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in;text-align:justify;text-indent:-.5in'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>2.  <b>Recent Accounting Standards Update</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In January 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standard Update ("ASU") No. 2011-01, <i>Receivables (Topic 310) Deferral of the Effective Date of Disclosures about Troubled Debt Restructurings in ASU No. 2011-20.</i> The amendments in this ASU delay the effective date of the disclosures about troubled debt restructurings in ASU 2011-20 for public entities. The effective date of the new disclosures about troubled debt restructurings for public entities and the guidance for determining what constitutes a troubled debt restructuring is effective as outlined in ASU No. 2011-02. The adoption of the ASU did not have a material impact on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In April 2011, the FASB issued ASU No. 2011-02, <i>Receivables (Topic 310): A Creditor's Determination of Whether a Restructuring Is a Troubled Debt Restructuring.</i> This amends the guidance for troubled debt restructurings.  The guidance clarifies the guidance on a creditor's evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. For public entities, the amendments are effective for first interim or annual period beginning on or after September 15, 2011 and should be applied retrospectively to the beginning of the annual period of adoption. The adoption of the ASU did not have a material impact on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In April 2011, the FASB issued ASU 2011-03, <i>Transfers and Servicing (Topic 860): Reconsideration of Effective Control for Repurchase Agreement</i>, which applies to all public entities. It affects all entities that enter into agreements to transfer financial assets that both entitle and obligate the transferor to repurchase or redeem the financial assets before their maturity. The amendments do not affect other transfers of financial assets. ASU 2011-03 removes from the assessment of effective control the requirement that the transferor have the ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee. Consequently, it also eliminates the requirement to demonstrate that the transferor possesses adequate collateral to fund substantially all the cost of purchasing replacement financial assets. Eliminating consideration of the transferor's ability to fulfill its contractual rights and obligations from the criteria in determining effective control should improve the accounting for repos and other similar transactions. ASU 2011-03 is effective for the first interim or annual period beginning on or after December 15, 2011 and is to be applied prospectively to transactions or modifications of existing transactions that occur on or after the effective date.<b> </b>Early adoption is not permitted. The adoption of ASU 2011-03 did not have a material impact on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In May 2011, the FASB issued ASU No. 2011-04 ("ASU 2011-04"), <i>Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.  </i>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 ASU 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 consolidated financial statements.  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In June 2011, the FASB issued ASU No. 2011-05 ("ASU 2011-05"), <i>Comprehensive Income (Topic 220), Presentation of Comprehensive Income. </i>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. GAAP and 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 had no effect on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In December 2011, the 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 ASU 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 had no effect on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>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 is not expected to have a material effect on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in;text-align:justify;text-indent:-.5in'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>3.  <b>(Loss)</b> <b>Earnings Per Share</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>(Loss)<font style='letter-spacing:-.1pt'> per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period, which was </font><font style='letter-spacing:-.1pt'>1,234,454</font><font style='letter-spacing:-.1pt'> shares during the three and nine-month periods ended September 30, 2012.  The Company has no dilutive securities.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'><font style='letter-spacing:-.1pt'>For 2011, earnings per share have been computed for periods beginning after April 1, 2011, as if conversion from a mutual holding company to a capital stock holding company occurred on that date.  Basic earnings per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period, which was 1,141,587 shares during the three-month period ended September 30, 2011.</font></p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in;text-align:justify;text-indent:-.5in'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>4.  <b>Securities Held to Maturity</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Securities have been classified as held to maturity according to management intent.  The carrying amount of securities and their fair values are as follows (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="92%" style='width:92.0%;border-collapse:collapse'> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Gross</b></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Gross</b></p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Amortized</b></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unrealized</b></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unrealized</b></p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Fair</b></p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Cost</u></b></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Gains</u></b></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Losses</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Value</u></b></p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At September 30, 2012-</i></b></p> </td> <td width="18%" valign="top" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="17%" valign="top" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="11%" valign="top" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Mortgage-backed securities</p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>15,397</u></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>268</u></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(<u>42</u>)</p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>15,623</u></p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At December 31, 2011-</i></b></p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Mortgage-backed securities</p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>9,835</u></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>255</u></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>(2</u>)</p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10,088</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>There were no sales of securities during the nine months ended September 30, 2012 or 2011. There were no securities pledged at September 30, 2012 or December 31, 2011.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in;text-align:justify;text-indent:-.5in'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>5.  <b>Loans</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The loan portfolio segments and classes are as follows (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="95%" style='width:95.0%;border-collapse:collapse;width:95.0% !msorm;border-collapse:collapse !msorm'> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="top" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>September 30,</u></b></p> </td> <td width="15%" valign="top" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>December 31,</u></b></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="top" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>2012</u></b></p> </td> <td width="15%" valign="top" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>2011</u></b></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Real estate mortgage loans:</p> </td> <td width="15%" valign="top" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="top" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  One-to-four-family</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$62,335</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>70,144</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Lot loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>6,651</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,363</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Commercial real estate</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,975</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Construction</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>74</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Total real estate loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>71,774</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>77,581</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Consumer loans:</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Home equity</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10,723</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>12,731</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Automobile</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,553</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,483</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Credit cards and unsecured</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,481</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>8,184</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Deposit account</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>598</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>791</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Other</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,501</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,818</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total consumer loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>22,856</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>26,007</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>94,630</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>103,588</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Less:</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Loans in process</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,232</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>207</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Deferred fees and discounts</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>59</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>50</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Allowance for losses</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,526</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,329</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total loans, net</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>91,813</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>102,002</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company grants real estate and consumer loans to customers primarily in the State of Florida with the majority of such loans in the Tallahassee, Florida metropolitan area.  Therefore, the Company's exposure to credit risk could be significantly affected by changes in the economy and real estate market in the Tallahassee, Florida metropolitan area.  The Company grants commercial real estate loans to customers primarily in the Leon county market area.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company has divided the loan portfolio into two portfolio segments, each with different risk characteristics and methodologies for assessing risk. All loans are underwritten in accordance with policies set forth and approved by the Board, including repayment capacity and source, value of the underlying property, credit history and stability.  The portfolio segments identified by the Company are as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'><b><i>Real Estate Mortgage Loans.  </i></b>Real estate mortgage loans are loans comprised of four classes: One-to-four family, Lot loans, Commercial real estate, and Construction loans. The Company generally originates one-to-four family mortgage loans in amounts up to 80% of the lesser of the appraised value or purchase price of a mortgaged property, but will also permit loan-to-value ratios of up to 95%. For one-to-four family mortgage loans exceeding an 80% loan-to-value ratio, the Company generally requires the borrower to obtain private mortgage insurance covering any loss on the amount of the loan in excess of 80% in the event of foreclosure. Commercial real estate loans are generally 80% or less loan-to-value ratio and contain balloon features for up to ten years.  Construction loans to borrowers are to finance the construction of owner occupied properties. These loans are categorized as construction loans during the construction period, later converting to one-to-four family mortgage loans after the construction is complete and amortization of the loan begins. Construction loan funds are disbursed periodically based on the percentage of construction completed.  If the estimate of construction cost proves to be inaccurate, the Company may be compelled to advance additional funds to complete the construction with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower to repay the loan.  The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Construction loans are typically secured by the properties under construction. The Company also makes loans for the purchase of developed lots for future construction of the borrower's primary residence. Construction and lot loan lending is generally considered to involve a higher degree of credit risk than long-term permanent financing of residential properties.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'><b><i>Consumer Loans.</i></b>  Consumer loans are comprised of five classes: Home Equity, Automobile, Credit cards and unsecured, Deposit account and Other.  The Company offers a variety of secured consumer loans, including home equity, new and used automobile, boat and other recreational vehicle loans, and loans secured by savings deposits.  The Company also offers unsecured consumer loans including a credit card product.  The Company originates its consumer loans primarily in its market area.  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 twenty years. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>An analysis of the change in the allowance for loan losses follows (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="682" style='border-collapse:collapse'> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="579" colspan="10" valign="bottom" style='width:434.4pt;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Three Months Ended September 30, 2012</b></p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="70" valign="bottom" style='width:52.4pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:justify'> </p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>$670</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>112</p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>326</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>8</p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>227</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>124</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,467</p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision (credit) for loan loss</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>143</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>20</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>70</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(1)</p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>22</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>16</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>270</p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>(92)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(63)</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(48)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(23)</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(226)</p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>12</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>15</u></p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>$<u>721</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>112</u></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>20</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>333</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>9</u></p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>213</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,526</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in'> </p> <table border="0" cellspacing="0" cellpadding="0" width="681" style='border-collapse:collapse'> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="578" colspan="10" valign="bottom" style='width:433.15pt;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Nine Months Ended September 30, 2012</b></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="58" valign="bottom" style='width:43.25pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="top" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="40" valign="top" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="64" valign="top" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="58" valign="top" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="46" valign="top" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="50" valign="top" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$475</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>144</p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>235</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>39</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>337</p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>99</p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,329</p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision (credit) for loan loss</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>819</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>91</p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>20</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>387</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(23)</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>23</p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>133</p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,450</p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(573)</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(128)</p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(289)</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(17)</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(181)</p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(116)</p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(1,304)</p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>5</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>34</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>51</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>721</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>112</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>20</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>333</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>9</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>213</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,526</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Individually evaluated for impairment:</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recorded investment</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,289</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>73</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>323</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,725</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Balance in allowance for loan losses</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>38</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>39</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Collectively evaluated for impairment:</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recorded investment</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-top:0in;margin-right:-5.4pt;margin-bottom:0in;margin-left:-5.4pt;margin-bottom:.0001pt;text-align:right'>$<u>59,046</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>6,578</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,975</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10,400</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,553</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>7,441</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>598</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,501</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>90,905</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Balance in allowance for loan losses</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>683</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>112</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>20</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>332</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>9</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>213</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,487</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in'> </p> <table border="0" cellspacing="0" cellpadding="0" width="685" style='border-collapse:collapse'> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="574" colspan="10" valign="bottom" style='width:430.5pt;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Three Months Ended September 30, 2011</b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="42" valign="bottom" style='width:31.6pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="66" valign="bottom" style='width:49.25pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="54" valign="bottom" style='width:40.75pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="52" valign="bottom" style='width:38.9pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="42" valign="bottom" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="66" valign="bottom" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="54" valign="bottom" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="52" valign="bottom" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="42" valign="bottom" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="66" valign="bottom" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="54" valign="bottom" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="52" valign="bottom" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ 835</p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>137</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-   </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>6</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>109</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>43</p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>315</p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-  </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>139</p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>1,604</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision for loan loss</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>86</p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>17</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-   </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(6)</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>220</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>5</p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(30)</p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-  </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>14</p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>306</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(160)</p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>- </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-   </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>- </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(104)</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(22)</p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(46)</p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-  </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(38)</p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(370)</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>    2</u></p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   - </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   -   </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  - </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   -  </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  5</u></p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  12</u></p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  -  </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  -  </u></p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>    19</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ <u>783</u></p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>154</u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   -   </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  - </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>225</u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>31</u></p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>251</u></p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  -  </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>115</u></p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>1,559</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in'> </p> <table border="0" cellspacing="0" cellpadding="0" width="687" style='border-collapse:collapse'> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="576" colspan="10" valign="bottom" style='width:6.0in;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Nine Months Ended September 30, 2011</b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="64" valign="top" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="top" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="40" valign="top" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="top" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$623</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>59</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>252</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>39</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>503</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>143</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,621</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision for loan loss</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>379</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>95</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(2)</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>308</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(71)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>40</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>756</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(221)</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(335)</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(28)</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(227)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(70)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(881)</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>13</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>46</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>63</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>783</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>154</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>225</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>31</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>251</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>115</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,559</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Individually evaluated for impairment:</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Recorded investment</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,649</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>142</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>380</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,187</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Balance in allowance for loan losses</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>535</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>75</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>746</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Collectively evaluated for impairment:</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Recorded investment</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>70,229</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>8,143</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>12,953</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,221</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>8,331</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>834</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,916</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>104,627</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Balance in allowance for loan losses</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>248</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>36</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>150</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>13</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>251</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>115</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.2in;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The following summarizes the loan credit quality (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="103%" style='width:103.46%;border-collapse:collapse'> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four-</b></p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Lot</b></p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b>Credit Risk Profile by Internally</b></p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-1.45pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><u>Assigned Grade:</u></b></p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Grade:</p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Pass</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$57,834</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>6,544</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,975</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>813</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10,209</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,534</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,372</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>598</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,468</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>89,347</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Special mention</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>701</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>131</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>89</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>921</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Substandard</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,800</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>107</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>383</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>19</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>13</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>4,322</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Doubtful</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>33</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>40</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Loss</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>62,335</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>6,651</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,975</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10,723</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,553</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>7,481</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>598</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,501</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>94,630</u></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Grade:</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Pass</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>64,888</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,151</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>74</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>12,218</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,449</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>8,166</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>791</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,743</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>97,480</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Special mention</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,528</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>91</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,630</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Substandard</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,728</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>212</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>422</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>13</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>4,385</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Doubtful</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>12</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>62</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>75</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Loss</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>70,144</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>7,363</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>74</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>12,731</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,483</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>8,184</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>791</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,818</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>103,588</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'>Internally assigned loan grades are defined as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Pass</b> – A Pass loan's primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Special Mention</b> – A Special Mention loan 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<b> </b>Company's credit position at some future date.  Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Substandard</b> – A Substandard loan is inadequately protected by the current sound net 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<b> </b>Company will sustain some loss if the deficiencies are not corrected.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Doubtful</b> – 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.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt'><b>Loss</b> – 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.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt'>Age analysis of past-due loans is as follows (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt'> </p> <table border="0" cellspacing="0" cellpadding="0" width="99%" style='width:99.92%;margin-left:-12.6pt;border-collapse:collapse'> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="47%" colspan="5" valign="top" style='width:47.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Accruing Loans</b></p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>30-59</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>60-89</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>90 Days</b></p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Total</b></p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Days</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Days</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>or More</b></p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Past</b></p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Nonaccrual</b></p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Total</b></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Past Due</u></b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Past Due</u></b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Past Due</u></b></p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Due</u></b></p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Current</u></b></p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Loans</u></b></p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Loans</u></b></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Real estate loans:</p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        One-to four-family</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>$352</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>254</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>606</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>59,534</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,195</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>62,335</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Lot loans</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>6,544</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>107</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>6,651</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Commercial real estate</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1,975</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1,975</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Construction</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>813</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>813</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Consumer loans:</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Home equity</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>95</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>147</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>242</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>10,302</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>179</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>10,723</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Automobile</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>19</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>19</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,515</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>19</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,553</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Credit cards and unsecured</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>92</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>32</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>124</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,319</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>38</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,481</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Deposit account</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>598</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>598</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Other</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,468</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>33</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,501</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Total</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>$<u>558</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>433</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>991</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>91,068</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>2,571</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>94,630</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Real estate loans:</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        One-to four-family</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1,894</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>146</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,040</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>64,148</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>3,956</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>70,144</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Lot loans</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,152</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>211</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,363</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Construction</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>74</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>74</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Consumer loans:</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Home equity</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>465</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>91</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>556</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>11,815</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>360</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>12,731</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Automobile</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,458</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>24</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,483</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Credit cards and unsecured</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>107</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>25</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>132</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>8,040</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>12</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>8,184</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Deposit account</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>791</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>791</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Other</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,743</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>75</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,818</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Total</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>$<u>2,466</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>263</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>2,729</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>96,221</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>4,638</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>103,588</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt'>At September 30, 2012 and December 31, 2011, there were no loans past due ninety days or more but still accruing.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>A<b> </b>loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral-dependent.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The following summarizes the amount of impaired loans (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="27%" colspan="3" valign="bottom" style='width:27.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>With No Related Allowance Recorded</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="27%" colspan="3" valign="bottom" style='width:27.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>With an Allowance Recorded</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="27%" colspan="3" valign="bottom" style='width:27.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Total</b></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unpaid</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unpaid</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unpaid</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Principal</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Related</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Principal</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Related</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Principal</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Related</b></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Balance</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Allowance</u></b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Balance</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Allowance</u></b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Balance</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Allowance</u></b></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Real estate loans:</p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    One-to four-family</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$2,566</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,941</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>723</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>723</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>38</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,289</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,664</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>38</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Lot loans</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>73</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>318</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>73</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>318</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Consumer loans:</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.1in'>  Home equity</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>261</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>438</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>62</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>62</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>323</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>500</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>     Credit cards and unsecured</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>46</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>46</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>2,940</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,743</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>785</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>785</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>39</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,725</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,528</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>39</u></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Real estate loans:</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    One-to four-family</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,786</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,328</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>301</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>301</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>36</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,087</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,629</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>36</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Lot loans</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>47</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>182</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>108</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>108</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>85</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>155</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>290</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>85</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Consumer loans:</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Home equity</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>574</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>660</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>16</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>16</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>590</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>676</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Automobile</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,407</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,170</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>443</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>443</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>142</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,850</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,613</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>142</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>At September 30, 2012 and December 31, 2011, the Company's loan portfolio included primarily large groups of smaller balance homogeneous loans.  The Company considers individual loans which are in the process of foreclosure for impairment.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <table border="0" cellspacing="0" cellpadding="0" width="97%" style='width:97.08%;border-collapse:collapse'> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Average</b></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Interest</b></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Interest</b></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Income</b></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Income</b></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Recognized</u></b></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Received</u></b></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>For the Nine Months Ended September 30, 2012:</i></b></p> </td> <td width="14%" valign="top" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Real estate loans:</p> </td> <td width="14%" valign="top" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  One-to four-family</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$ 3,764</p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>49</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>69</p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Lot loans</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>65</p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-  </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>26</p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Consumer loans:</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Home equity</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>436</p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Credit cards and unsecured</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>     25</u></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>  - </u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>   - </u></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Total</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$ <u>4,290</u></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>56</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>102</u></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>For the Nine Months Ended September 30, 2011:</i></b></p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Real estate loans:</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  One-to four-family</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,715</p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Lot loans</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>142</p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Consumer loans:</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Home equity</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>   211</u></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>  -</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>   -</u></p> </td> </tr> <tr align="left"> <td width="58%" valign="top" style='width:58.22%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Total</p> </td> <td width="14%" valign="bottom" style='width:14.6%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$ <u>3,068</u></p> </td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>  -</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>  -</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>A troubled debt restructuring is a loan to a borrower that is experiencing financial difficulty that has been modified from its original terms and conditions in such a way that the Company is granting the borrower a concession of some kind.  The Company has granted a variety of concessions to borrowers in the form of loan modifications.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company had troubled debt restructurings totaling $762,000 entered into during the nine months ended September 30, 2012 and $748,000 for the nine months ended September 30, 2011.  Impairment losses totaled $49,000 and $16,000 for the nine months ended September 30, 2012 and 2011, respectively.  The Company has not had any troubled debt restructurings which were restructured during the last twelve months that subsequently defaulted during the period ended September 30, 2012.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>6.  <b>Foreclosed Real Estate</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>Expenses applicable to foreclosed assets are included in other noninterest expense and include operating expenses of $217,000 and $45,000 for the nine months ended September 30, 2012 and 2011, respectively.  There were write-downs of $101,000 and six sales of foreclosed real estate during the nine months ended September 30, 2012 with a net loss on the sale of $3,000.  There were no sales and write-downs of $25,000 for the nine months ended September 30, 2011.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>7.  <b>Line of Credit</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>The Company has an unsecured federal funds line of credit for $4.2 million with a correspondent bank and a $14.7 million line with the Federal Home Loan Bank of Atlanta collateralized by a blanket lien on qualifying loans. At September 30, 2012 and December 31, 2011, the Company had no outstanding balances on these lines.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>8.  <b>Off-Balance-Sheet Financial Instruments</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments are unused lines of credit and commitments to extend credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the balance sheets.  The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for unused lines of credit and commitments to extend credit is represented by the contractual amount of those instruments.  The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed-expiration dates or other termination clauses and may require payment of a fee.  Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer's credit worthiness on a case-by-case basis.  The amount of collateral obtained if deemed necessary by the Company upon extension of credit is based on management's credit evaluation of the counterparty.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Unused lines of credit and commitments to extend credit typically result in loans with a market interest rate when funded.  A summary of the amounts of the Company's financial instruments, with off-balance-sheet risk follows at September 30, 2012 (in thousands):  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="80%" style='width:80.0%;border-collapse:collapse'> <tr align="left"> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="18%" valign="top" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Contract</b></p> </td> </tr> <tr align="left"> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="18%" valign="top" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Amount</u></b></p> </td> </tr> <tr align="left"> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Unused lines of credit (rates range from </p> </td> <td width="18%" valign="top" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    3.25% to 15.45%)</p> </td> <td width="18%" valign="bottom" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>17,860</u></p> </td> </tr> <tr align="left"> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="18%" valign="bottom" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr style='height:14.85pt'> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt;height:14.85pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Commitments to extend credit (all fixed rates </p> </td> <td width="18%" valign="bottom" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt;height:14.85pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="81%" valign="top" style='width:81.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    ranging from 2.49% to 11.90%)</p> </td> <td width="18%" valign="bottom" style='width:18.96%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>462</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>9.  <b>Fair Value of Financial Instruments</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying amounts and estimated fair values of the Company's financial instruments are as follows (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="95%" style='width:95.28%;border-collapse:collapse'> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="26%" colspan="2" valign="top" style='width:26.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>At September 30, 2012</b></p> </td> <td width="3%" valign="top" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="27%" colspan="2" valign="top" style='width:27.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>At December 31, 2011</b></p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.28%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Carrying</b></p> </td> <td width="12%" valign="top" style='width:12.14%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Fair</b></p> </td> <td width="3%" valign="top" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="14%" valign="top" style='width:14.16%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Carrying</b></p> </td> <td width="13%" valign="top" style='width:13.12%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Fair</b></p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Amount</u></b></p> </td> <td width="12%" valign="top" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Value</u></b></p> </td> <td width="3%" valign="top" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="14%" valign="top" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Amount</u></b></p> </td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Value</u></b></p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Financial assets:</p> </td> <td width="14%" valign="top" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="3%" valign="top" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Cash and cash equivalents (1)</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$29,304</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>29,304</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>25,055</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>25,055</p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Securities held to maturity (2)</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>15,397</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>15,623</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>9,835</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10,088</p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Loans (3)</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>91,813</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>91,893</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>102,002</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>101,736</p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Federal Home Loan Bank stock (3)</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>218</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>218</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>247</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>247</p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Accrued interest receivable (3)</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>385</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>385</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>454</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>454</p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Financial liabilities:</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Deposits (3)</p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>120,815</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>119,077</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>119,416</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>117,135</p> </td> </tr> <tr align="left"> <td width="43%" valign="top" style='width:43.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Off-balance-sheet financial instruments (3)  </p> </td> <td width="14%" valign="bottom" style='width:14.28%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="12%" valign="bottom" style='width:12.14%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="3%" valign="bottom" style='width:3.06%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.16%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'><u>                                                </u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>(1)  We consider these fair value measurements to be Level 1.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>(2)  We consider these fair value measurements to be Level 2.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>(3)  We consider these fair value measurements to be Level 3.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>10.<b>  Employee Benefit Plans</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>The Company has a 401(k) plan for its employees who meet certain age and length-of-service requirements. Eligible employees can contribute up to $17,000 of their compensation to the plan on a pre-tax basis. Employer matching contributions are made at 100 percent of employee contribution up to five percent. Employer contributions made to the 401(k) plan were $78,000<u> </u>and $83,000 for the nine-months ended September 30, 2012 and 2011, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>11.<b>  Employee Stock Ownership Plan</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>Effective April 5, 2011, upon closing of the stock offering, the Holding Company established an Employee Stock Ownership Plan which acquired 8% of the total number of shares of common stock sold during the public offering.  A total of 98,756 shares were acquired in exchange for a $988,000 note payable to the Holding Company.  The note bears interest at the prime plus one percent rate and is payable in annual installments and is due in 2021.  The employer expense was $28,000 and $88,000 for the three- and nine-month periods ended September 30, 2012, respectively. The employer expense was $33,000 and $68,000 for the three- and nine-month periods ended September 30, 2011, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>12.<b>  Fair Value Measurements</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Impaired collateral-dependent loans are carried at fair value when the current collateral value 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):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="602" style='border-collapse:collapse'> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Quoted Prices</b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>In Active</b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Significant</b></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Markets for</b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Other</b></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Significant</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Losses</b></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Identical</b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Observable</b></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unobservable</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Fair</b></p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Assets</b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Inputs</b></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Inputs</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Total</b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>During the</b></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Value</u></b></p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Level 1</u></b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Level 2</u></b></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Level 3</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Losses</u></b></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Period</u></b></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>One-to four-family</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$2,610</p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,610</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>414</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>270</p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Lot loans</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>73</p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>73</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>246</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>43</p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Home equity</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>323</p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>323</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>177</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>129</p> </td> </tr> <tr style='height:8.1pt'> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p style='margin:0in;margin-bottom:.0001pt'>Credit cards and unsecured</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>6</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>6</u></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Total</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,046</u></p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,046</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>843</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>448</u></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>One-to four-family</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,667</p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,667</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>592</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>378</p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Lot loans</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>70</p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>70</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>220</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>129</p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Home equity</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>501</p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>501</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>89</p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>89</p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Automobile</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="146" valign="bottom" style='width:109.5pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Total</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>2,238</u></p> </td> <td width="96" valign="bottom" style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="88" valign="bottom" style='width:66.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,238</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>919</u></p> </td> <td width="80" valign="bottom" style='width:60.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>614</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Foreclosed real estate is recorded at fair value less estimated costs to sell.  Foreclosed real estate which is measured at fair value on a nonrecurring basis is summarized below (in thousands):</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="90%" style='width:90.46%;border-collapse:collapse'> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Quoted Prices</b></p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>In Active</b></p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Significant</b></p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Markets for</b></p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Other</b></p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Significant</b></p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Losses</b></p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Identical</b></p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Observable</b></p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unobservable</b></p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Fair</b></p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Assets</b></p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Inputs</b></p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Inputs</b></p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Total</b></p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>During the</b></p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Value</u></b></p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>(Level 1)</u></b></p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>(Level 2)</u></b></p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>(Level 3)</u></b></p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Losses</u></b></p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Period</u></b></p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At September 30, 2012-</i></b></p> </td> <td width="10%" valign="top" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="17%" valign="top" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="top" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Foreclosed real estate</p> </td> <td width="10%" valign="bottom" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>2,199</u></p> </td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="14%" valign="bottom" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,199</u></p> </td> <td width="7%" valign="bottom" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>133</u></p> </td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>93</u></p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="bottom" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At December 31, 2011-</i></b></p> </td> <td width="10%" valign="bottom" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="24%" valign="top" style='width:24.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Foreclosed real estate</p> </td> <td width="10%" valign="bottom" style='width:10.72%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>743</u></p> </td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="14%" valign="bottom" style='width:14.68%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>743</u></p> </td> <td width="7%" valign="bottom" style='width:7.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>83</u></p> </td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>68</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>13.<b>  Regulatory Matters</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices.  The Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined).  Management believes, as of September 30, 2012, that the Bank meets all capital adequacy requirements to which it was subject.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>At September 30, 2012, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table.  There are no conditions or events since that notification that management believes have changed the institution's category.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Bank's actual regulatory capital amounts and percentages are presented in the table ($ in thousands).</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="21%" colspan="2" valign="bottom" style='width:21.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="24%" colspan="2" valign="bottom" style='width:24.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="23%" colspan="2" valign="bottom" style='width:23.8%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Minimum</b></p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="21%" colspan="2" valign="bottom" style='width:21.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="24%" colspan="2" valign="bottom" style='width:24.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="23%" colspan="2" valign="bottom" style='width:23.8%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>To Be Well</b></p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="21%" colspan="2" valign="bottom" style='width:21.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="24%" colspan="2" valign="bottom" style='width:24.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Minimum</b></p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="23%" colspan="2" valign="bottom" style='width:23.8%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Capitalized Under</b></p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="21%" colspan="2" valign="bottom" style='width:21.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="24%" colspan="2" valign="bottom" style='width:24.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For Capital Adequacy</b></p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="23%" colspan="2" valign="bottom" style='width:23.8%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Prompt and Corrective</b></p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="21%" colspan="2" valign="bottom" style='width:21.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Actual</b></p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="24%" colspan="2" valign="bottom" style='width:24.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Purposes</b></p> </td> <td width="2%" valign="bottom" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="23%" colspan="2" valign="bottom" style='width:23.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Action Provisions</b></p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.5%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Amount</u></b></p> </td> <td width="10%" valign="top" style='width:10.68%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>   %  </u></b></p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="12%" valign="top" style='width:12.1%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Amount</u></b></p> </td> <td width="12%" valign="top" style='width:12.28%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>   %  </u></b></p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="11%" valign="top" style='width:11.84%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Amount</u></b></p> </td> <td width="11%" valign="top" style='width:11.96%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>   %  </u></b></p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At September 30, 2012:</i></b></p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Total Capital to Risk-</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>        Weighted Assets</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ 18,132</p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>21.49%</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ 6,749</p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>8.00%</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ 8,436</p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>10.00%</p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Tier I Capital to Risk-</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>        Weighted Assets</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>17,077</p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>20.24</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>3,375</p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>4.00</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> 5,062</p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>6.00</p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Tier I Capital</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>        to Total Assets</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>17,077</p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>11.86</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>4,321</p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>3.00</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>7,201</p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>5.00</p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At December 31, 2011:</i></b></p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Total Capital to Risk-</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>        Weighted Assets</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>19,431</p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>22.35</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>6,955</p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>8.00</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>8,694</p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>10.00</p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Tier I Capital to Risk-</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>        Weighted Assets</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>18,102</p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>20.82</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>3,478</p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>4.00</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> 5,216</p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>6.00</p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Tier I Capital</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="25%" valign="top" style='width:25.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>        to Total Assets</p> </td> <td width="10%" valign="top" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>18,102</p> </td> <td width="10%" valign="top" style='width:10.68%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>12.69</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="12%" valign="top" style='width:12.1%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>4,279</p> </td> <td width="12%" valign="top" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>3.00</p> </td> <td width="2%" valign="top" style='width:2.38%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>7,132</p> </td> <td width="11%" valign="top" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>5.00</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>14.<b>  Adoption of Plan of Reorganization and Subsequent Stock Issuance</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>On April 5, 2011, in accordance with a Plan of Conversion and Reorganization (the "Plan") adopted by its Board of Directors and approved by its members, the Bank converted from a mutual holding company to a stock holding company form of organization, with the Bank becoming a wholly-owned subsidiary of the Holding Company.  The conversion and reorganization was accomplished through the sale and issuance of 1,234,454 shares of common stock at a price of $10.00 per share, through which the Holding Company received proceeds of approximately $10.5 million, net of offering expenses of approximately $847,000.  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>In accordance with Office of the Comptroller of the Currency ("OCC") regulations, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account is maintained for the benefit of certain account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account is reduced annually to the extent that these account holders have reduced their qualifying deposits. Subsequent increases will not restore an account holder's interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.</p> <p style='margin:0in;margin-bottom:.0001pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in;text-align:justify;text-indent:-.5in'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Sunshine Financial, Inc. ("Sunshine Financial" or the "Holding Company"), a Maryland corporation, is the holding company for Sunshine Savings Bank (the "Bank") and owns all the outstanding common stock of the Bank.  The Bank completed its reorganization from the mutual to stock holding company form of organization on April 5, 2011. A total of 1,234,454 shares of common stock were sold in the subscription and community offerings at a price of $10.00 per share.  In accordance with the Plan of Conversion and Reorganization (the "Plan"), the Holding Company has succeeded to all rights and obligations of Sunshine Savings MHC and the old Sunshine Financial, Inc. ("Old Sunshine").  See Note 14 for details of the conversion.  The transaction was accounted for as a reorganization of entities under common control at historical cost and, the financial data for periods presented include the results of the Bank.  The unaudited, condensed consolidated financial statements include the consolidated results of operations of Old Sunshine and its subsidiary, the Bank.  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Holding Company's only business is the operation of the Bank.  The Bank, through its four banking offices, provides a variety of retail community banking services to individuals and businesses primarily in Leon County, Florida. The Bank's deposits are insured up to the applicable limits by the Federal Deposit Insurance Corporation. The Bank's subsidiary is Sunshine Member Insurance Services, Inc. ("SMSI"), which was established to sell automobile warranty and credit life and disability insurance products associated with loan products. Collectively the entities are referred to as the "Company."</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>These condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and Article 8-03 of Regulation S-X and do not include all disclosures required by generally accepted accounting principles for a complete presentation of the Company's financial condition and results of operations.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>In the opinion of management, the information reflects all adjustments (consisting only of normal recurring adjustments) which are necessary in order to make the financial statements not misleading and for a fair representation of the results of operations for such periods.  The results for the three and nine-month periods ended September 30, 2012 should not be considered as indicative of results for a full year.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In January 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standard Update ("ASU") No. 2011-01, <i>Receivables (Topic 310) Deferral of the Effective Date of Disclosures about Troubled Debt Restructurings in ASU No. 2011-20.</i> The amendments in this ASU delay the effective date of the disclosures about troubled debt restructurings in ASU 2011-20 for public entities. The effective date of the new disclosures about troubled debt restructurings for public entities and the guidance for determining what constitutes a troubled debt restructuring is effective as outlined in ASU No. 2011-02. The adoption of the ASU did not have a material impact on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In April 2011, the FASB issued ASU No. 2011-02, <i>Receivables (Topic 310): A Creditor's Determination of Whether a Restructuring Is a Troubled Debt Restructuring.</i> This amends the guidance for troubled debt restructurings.  The guidance clarifies the guidance on a creditor's evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. For public entities, the amendments are effective for first interim or annual period beginning on or after September 15, 2011 and should be applied retrospectively to the beginning of the annual period of adoption. The adoption of the ASU did not have a material impact on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In April 2011, the FASB issued ASU 2011-03, <i>Transfers and Servicing (Topic 860): Reconsideration of Effective Control for Repurchase Agreement</i>, which applies to all public entities. It affects all entities that enter into agreements to transfer financial assets that both entitle and obligate the transferor to repurchase or redeem the financial assets before their maturity. The amendments do not affect other transfers of financial assets. ASU 2011-03 removes from the assessment of effective control the requirement that the transferor have the ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee. Consequently, it also eliminates the requirement to demonstrate that the transferor possesses adequate collateral to fund substantially all the cost of purchasing replacement financial assets. Eliminating consideration of the transferor's ability to fulfill its contractual rights and obligations from the criteria in determining effective control should improve the accounting for repos and other similar transactions. ASU 2011-03 is effective for the first interim or annual period beginning on or after December 15, 2011 and is to be applied prospectively to transactions or modifications of existing transactions that occur on or after the effective date.<b> </b>Early adoption is not permitted. The adoption of ASU 2011-03 did not have a material impact on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In May 2011, the FASB issued ASU No. 2011-04 ("ASU 2011-04"), <i>Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.  </i>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 ASU 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 consolidated financial statements.  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In June 2011, the FASB issued ASU No. 2011-05 ("ASU 2011-05"), <i>Comprehensive Income (Topic 220), Presentation of Comprehensive Income. </i>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. GAAP and 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 had no effect on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>In December 2011, the 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 ASU 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 had no effect on the Company's consolidated financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>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 is not expected to have a material effect on the Company's consolidated financial statements.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>(Loss)<font style='letter-spacing:-.1pt'> per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period, which was </font><font style='letter-spacing:-.1pt'>1,234,454</font><font style='letter-spacing:-.1pt'> shares during the three and nine-month periods ended September 30, 2012.  The Company has no dilutive securities.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'><font style='letter-spacing:-.1pt'>For 2011, earnings per share have been computed for periods beginning after April 1, 2011, as if conversion from a mutual holding company to a capital stock holding company occurred on that date.  Basic earnings per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period, which was 1,141,587 shares during the three-month period ended September 30, 2011.</font></p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>There were no sales of securities during the nine months ended September 30, 2012 or 2011. There were no securities pledged at September 30, 2012 or December 31, 2011.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'><b><i>Real Estate Mortgage Loans.  </i></b>Real estate mortgage loans are loans comprised of four classes: One-to-four family, Lot loans, Commercial real estate, and Construction loans. The Company generally originates one-to-four family mortgage loans in amounts up to 80% of the lesser of the appraised value or purchase price of a mortgaged property, but will also permit loan-to-value ratios of up to 95%. For one-to-four family mortgage loans exceeding an 80% loan-to-value ratio, the Company generally requires the borrower to obtain private mortgage insurance covering any loss on the amount of the loan in excess of 80% in the event of foreclosure. Commercial real estate loans are generally 80% or less loan-to-value ratio and contain balloon features for up to ten years.  Construction loans to borrowers are to finance the construction of owner occupied properties. These loans are categorized as construction loans during the construction period, later converting to one-to-four family mortgage loans after the construction is complete and amortization of the loan begins. Construction loan funds are disbursed periodically based on the percentage of construction completed.  If the estimate of construction cost proves to be inaccurate, the Company may be compelled to advance additional funds to complete the construction with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower to repay the loan.  The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Construction loans are typically secured by the properties under construction. The Company also makes loans for the purchase of developed lots for future construction of the borrower's primary residence. Construction and lot loan lending is generally considered to involve a higher degree of credit risk than long-term permanent financing of residential properties.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'><b><i>Consumer Loans.</i></b>  Consumer loans are comprised of five classes: Home Equity, Automobile, Credit cards and unsecured, Deposit account and Other.  The Company offers a variety of secured consumer loans, including home equity, new and used automobile, boat and other recreational vehicle loans, and loans secured by savings deposits.  The Company also offers unsecured consumer loans including a credit card product.  The Company originates its consumer loans primarily in its market area.  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 twenty years. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'>Internally assigned loan grades are defined as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Pass</b> – A Pass loan's primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Special Mention</b> – A Special Mention loan 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<b> </b>Company's credit position at some future date.  Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Substandard</b> – A Substandard loan is inadequately protected by the current sound net 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<b> </b>Company will sustain some loss if the deficiencies are not corrected.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'><b>Doubtful</b> – 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.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:13.0pt'> </p> <p style='margin:0in;margin-bottom:.0001pt'><b>Loss</b> – 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.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>Expenses applicable to foreclosed assets are included in other noninterest expense and include operating expenses of $217,000 and $45,000 for the nine months ended September 30, 2012 and 2011, respectively.  There were write-downs of $101,000 and six sales of foreclosed real estate during the nine months ended September 30, 2012 with a net loss on the sale of $3,000.  There were no sales and write-downs of $25,000 for the nine months ended September 30, 2011.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>The Company has an unsecured federal funds line of credit for $4.2 million with a correspondent bank and a $14.7 million line with the Federal Home Loan Bank of Atlanta collateralized by a blanket lien on qualifying loans. At September 30, 2012 and December 31, 2011, the Company had no outstanding balances on these lines.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments are unused lines of credit and commitments to extend credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the balance sheets.  The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for unused lines of credit and commitments to extend credit is represented by the contractual amount of those instruments.  The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed-expiration dates or other termination clauses and may require payment of a fee.  Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer's credit worthiness on a case-by-case basis.  The amount of collateral obtained if deemed necessary by the Company upon extension of credit is based on management's credit evaluation of the counterparty.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>The Company has a 401(k) plan for its employees who meet certain age and length-of-service requirements. Eligible employees can contribute up to $17,000 of their compensation to the plan on a pre-tax basis. Employer matching contributions are made at 100 percent of employee contribution up to five percent. Employer contributions made to the 401(k) plan were $78,000<u> </u>and $83,000 for the nine-months ended September 30, 2012 and 2011, respectively.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'>Effective April 5, 2011, upon closing of the stock offering, the Holding Company established an Employee Stock Ownership Plan which acquired 8% of the total number of shares of common stock sold during the public offering.  A total of 98,756 shares were acquired in exchange for a $988,000 note payable to the Holding Company.  The note bears interest at the prime plus one percent rate and is payable in annual installments and is due in 2021.  The employer expense was $28,000 and $88,000 for the three- and nine-month periods ended September 30, 2012, respectively. The employer expense was $33,000 and $68,000 for the three- and nine-month periods ended September 30, 2011, respectively.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices.  The Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined).  Management believes, as of September 30, 2012, that the Bank meets all capital adequacy requirements to which it was subject.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>At September 30, 2012, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table.  There are no conditions or events since that notification that management believes have changed the institution's category.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>On April 5, 2011, in accordance with a Plan of Conversion and Reorganization (the "Plan") adopted by its Board of Directors and approved by its members, the Bank converted from a mutual holding company to a stock holding company form of organization, with the Bank becoming a wholly-owned subsidiary of the Holding Company.  The conversion and reorganization was accomplished through the sale and issuance of 1,234,454 shares of common stock at a price of $10.00 per share, through which the Holding Company received proceeds of approximately $10.5 million, net of offering expenses of approximately $847,000.  </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <p style='margin:0in;margin-bottom:.0001pt'>In accordance with Office of the Comptroller of the Currency ("OCC") regulations, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account is maintained for the benefit of certain account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account is reduced annually to the extent that these account holders have reduced their qualifying deposits. Subsequent increases will not restore an account holder's interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.</p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="92%" style='width:92.0%;border-collapse:collapse'> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Gross</b></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Gross</b></p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Amortized</b></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unrealized</b></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unrealized</b></p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Fair</b></p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Cost</u></b></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Gains</u></b></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Losses</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Value</u></b></p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At September 30, 2012-</i></b></p> </td> <td width="18%" valign="top" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="17%" valign="top" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="14%" valign="top" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="11%" valign="top" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Mortgage-backed securities</p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>15,397</u></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>268</u></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(<u>42</u>)</p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>15,623</u></p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>At December 31, 2011-</i></b></p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="37%" valign="top" style='width:37.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Mortgage-backed securities</p> </td> <td width="18%" valign="bottom" style='width:18.98%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>9,835</u></p> </td> <td width="17%" valign="bottom" style='width:17.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>255</u></p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>(2</u>)</p> </td> <td width="11%" valign="bottom" style='width:11.74%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10,088</u></p> </td> </tr> </table>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="95%" style='width:95.0%;border-collapse:collapse;width:95.0% !msorm;border-collapse:collapse !msorm'> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="top" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>September 30,</u></b></p> </td> <td width="15%" valign="top" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>December 31,</u></b></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="top" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>2012</u></b></p> </td> <td width="15%" valign="top" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>2011</u></b></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Real estate mortgage loans:</p> </td> <td width="15%" valign="top" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="top" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  One-to-four-family</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$62,335</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>70,144</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Lot loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>6,651</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,363</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Commercial real estate</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,975</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Construction</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>74</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Total real estate loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>71,774</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>77,581</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Consumer loans:</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Home equity</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10,723</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>12,731</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Automobile</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,553</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,483</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Credit cards and unsecured</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,481</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>8,184</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Deposit account</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>598</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>791</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Other</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,501</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,818</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total consumer loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>22,856</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>26,007</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total loans</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>94,630</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>103,588</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Less:</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Loans in process</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,232</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>207</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Deferred fees and discounts</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>59</p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>50</p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Allowance for losses</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,526</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,329</u></p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="69%" valign="top" style='width:69.62%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total loans, net</p> </td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>91,813</u></p> </td> <td width="15%" valign="bottom" style='width:15.12%;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>102,002</u></p> </td> </tr> </table>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="682" style='border-collapse:collapse'> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="579" colspan="10" valign="bottom" style='width:434.4pt;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Three Months Ended September 30, 2012</b></p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="70" valign="bottom" style='width:52.4pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:justify'> </p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>$670</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>112</p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>326</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>8</p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>227</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>124</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,467</p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision (credit) for loan loss</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>143</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>20</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>70</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(1)</p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>22</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>16</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>270</p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>(92)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(63)</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(48)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(23)</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(226)</p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>12</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>15</u></p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="bottom" style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:right'>$<u>721</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>112</u></p> </td> <td width="70" valign="bottom" style='width:52.4pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>20</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>333</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>9</u></p> </td> <td width="61" valign="bottom" style='width:46.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>213</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,526</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in'> </p> <table border="0" cellspacing="0" cellpadding="0" width="681" style='border-collapse:collapse'> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="578" colspan="10" valign="bottom" style='width:433.15pt;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Nine Months Ended September 30, 2012</b></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="58" valign="bottom" style='width:43.25pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="top" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="40" valign="top" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="64" valign="top" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="58" valign="top" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="46" valign="top" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="50" valign="top" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$475</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>144</p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>235</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>39</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>337</p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>99</p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,329</p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision (credit) for loan loss</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>819</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>91</p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>20</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>387</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(23)</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>23</p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>133</p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,450</p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(573)</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(128)</p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(289)</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(17)</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(181)</p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(116)</p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(1,304)</p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>5</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>34</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>51</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>721</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>112</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>20</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>333</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>9</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>213</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,526</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Individually evaluated for impairment:</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recorded investment</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,289</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>73</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>323</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,725</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Balance in allowance for loan losses</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>38</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>39</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Collectively evaluated for impairment:</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recorded investment</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;margin-top:0in;margin-right:-5.4pt;margin-bottom:0in;margin-left:-5.4pt;margin-bottom:.0001pt;text-align:right'>$<u>59,046</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>6,578</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,975</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10,400</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,553</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>7,441</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>598</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,501</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>90,905</u></p> </td> </tr> <tr align="left"> <td width="103" valign="top" style='width:77.3pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Balance in allowance for loan losses</p> </td> <td width="56" valign="bottom" style='width:42.1pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>683</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>112</u></p> </td> <td width="72" valign="bottom" style='width:53.8pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>20</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>332</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>9</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>213</u></p> </td> <td width="58" valign="bottom" style='width:43.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="46" valign="bottom" style='width:34.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="50" valign="bottom" style='width:37.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,487</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in'> </p> <table border="0" cellspacing="0" cellpadding="0" width="685" style='border-collapse:collapse'> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="574" colspan="10" valign="bottom" style='width:430.5pt;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Three Months Ended September 30, 2011</b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="42" valign="bottom" style='width:31.6pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="66" valign="bottom" style='width:49.25pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="54" valign="bottom" style='width:40.75pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="52" valign="bottom" style='width:38.9pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="42" valign="bottom" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="66" valign="bottom" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="54" valign="bottom" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="52" valign="bottom" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="42" valign="bottom" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="66" valign="bottom" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="54" valign="bottom" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="52" valign="bottom" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ 835</p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>137</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-   </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>6</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>109</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>43</p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>315</p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-  </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>139</p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>1,604</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision for loan loss</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>86</p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>17</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-   </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(6)</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>220</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>5</p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(30)</p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-  </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>14</p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>306</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(160)</p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>- </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-   </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>- </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(104)</p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(22)</p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(46)</p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>-  </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(38)</p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>(370)</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>    2</u></p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   - </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   -   </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  - </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   -  </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  5</u></p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  12</u></p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  -  </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  -  </u></p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>    19</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>$ <u>783</u></p> </td> <td width="42" valign="top" style='width:31.6pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>154</u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>   -   </u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  - </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>225</u></p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>31</u></p> </td> <td width="66" valign="top" style='width:49.25pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>251</u></p> </td> <td width="54" valign="top" style='width:40.75pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>  -  </u></p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>115</u></p> </td> <td width="52" valign="top" style='width:38.9pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><u>1,559</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.5in'> </p> <table border="0" cellspacing="0" cellpadding="0" width="687" style='border-collapse:collapse'> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="576" colspan="10" valign="bottom" style='width:6.0in;border:none;border-bottom:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>For the Nine Months Ended September 30, 2011</b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="72" valign="bottom" style='width:.75in;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;border:none;border-top:solid windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four</b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b>Lot</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-5.4pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="48" valign="top" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="72" valign="top" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="64" valign="top" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="top" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="40" valign="top" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="56" valign="top" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Beginning balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$623</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>59</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>252</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>39</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>503</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>143</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,621</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Provision for loan loss</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>379</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>95</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(2)</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>308</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(71)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>40</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>756</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Charge-offs</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(221)</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(335)</p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(28)</p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(227)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(70)</p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>(881)</p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Recoveries</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>13</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>46</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>63</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Ending balance</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>783</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>154</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>225</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>31</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>251</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>115</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,559</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Individually evaluated for impairment:</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Recorded investment</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,649</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>142</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>380</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,187</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Balance in allowance for loan losses</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>535</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>118</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>75</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>746</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Collectively evaluated for impairment:</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Recorded investment</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>70,229</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>8,143</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>12,953</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,221</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>8,331</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>834</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,916</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>104,627</u></p> </td> </tr> <tr align="left"> <td width="111" valign="top" style='width:83.4pt;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Balance in allowance for loan losses</p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>248</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>36</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="48" valign="bottom" style='width:.5in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>150</u></p> </td> <td width="72" valign="bottom" style='width:.75in;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>13</u></p> </td> <td width="64" valign="bottom" style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>251</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="40" valign="bottom" style='width:30.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>115</u></p> </td> <td width="56" valign="bottom" style='width:42.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.2in;text-align:justify'> </p>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="103%" style='width:103.46%;border-collapse:collapse'> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>One-to</b></p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Commercial</b></p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Credit</b></p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Four-</b></p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Lot</b></p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Real</b></p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Home</b></p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Cards and</b></p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Deposit</b></p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Family</u></b></p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Loans</u></b></p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Estate</u></b></p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Construction</u></b></p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Equity</u></b></p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Automobile</u></b></p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Unsecured</u></b></p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Account</u></b></p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Other</u></b></p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Total</u></b></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b>Credit Risk Profile by Internally</b></p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;margin-right:-1.45pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><u>Assigned Grade:</u></b></p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Grade:</p> </td> <td width="7%" valign="top" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="10%" valign="top" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="6%" valign="top" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="top" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Pass</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$57,834</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>6,544</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,975</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>813</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10,209</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,534</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,372</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>598</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,468</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>89,347</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Special mention</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>701</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>131</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>89</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>921</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Substandard</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,800</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>107</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>383</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>19</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>13</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>4,322</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Doubtful</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>33</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>40</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Loss</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>62,335</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>6,651</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,975</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>813</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>10,723</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,553</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>7,481</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>598</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,501</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>94,630</u></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Grade:</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Pass</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>64,888</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,151</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>74</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>12,218</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,449</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>8,166</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>791</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,743</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>97,480</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Special mention</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,528</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>91</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>10</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1,630</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Substandard</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,728</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>212</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>422</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>7</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>13</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>4,385</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Doubtful</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>12</p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>62</p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>75</p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>    Loss</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="13%" valign="top" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>  Total</p> </td> <td width="7%" valign="bottom" style='width:7.5%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>70,144</u></p> </td> <td width="8%" valign="bottom" style='width:8.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>7,363</u></p> </td> <td width="10%" valign="bottom" style='width:10.32%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>74</u></p> </td> <td width="8%" valign="bottom" style='width:8.92%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>12,731</u></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>2,483</u></p> </td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>8,184</u></p> </td> <td width="8%" valign="bottom" style='width:8.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>791</u></p> </td> <td width="6%" valign="bottom" style='width:6.08%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>1,818</u></p> </td> <td width="7%" valign="bottom" style='width:7.2%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>103,588</u></p> </td> </tr> </table>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt'> </p> <table border="0" cellspacing="0" cellpadding="0" width="99%" style='width:99.92%;margin-left:-12.6pt;border-collapse:collapse'> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="47%" colspan="5" valign="top" style='width:47.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Accruing Loans</b></p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>30-59</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>60-89</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>90 Days</b></p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Total</b></p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Days</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Days</b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>or More</b></p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Past</b></p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Nonaccrual</b></p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b>Total</b></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Past Due</u></b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Past Due</u></b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Past Due</u></b></p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Due</u></b></p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Current</u></b></p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Loans</u></b></p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center;line-height:12.0pt'><b><u>Loans</u></b></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Real estate loans:</p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        One-to four-family</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>$352</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>254</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>606</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>59,534</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,195</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>62,335</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Lot loans</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>6,544</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>107</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>6,651</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Commercial real estate</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1,975</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1,975</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Construction</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>813</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>813</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Consumer loans:</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Home equity</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>95</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>147</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>242</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>10,302</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>179</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>10,723</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Automobile</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>19</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>19</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,515</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>19</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,553</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Credit cards and unsecured</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>92</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>32</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>124</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,319</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>38</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,481</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Deposit account</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>598</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>598</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Other</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,468</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>33</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,501</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Total</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>$<u>558</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>433</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>991</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>91,068</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>2,571</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>94,630</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Real estate loans:</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        One-to four-family</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1,894</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>146</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,040</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>64,148</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>3,956</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>70,144</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Lot loans</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,152</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>211</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>7,363</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Construction</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>74</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>74</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Consumer loans:</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Home equity</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>465</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>91</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>556</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>11,815</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>360</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>12,731</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Automobile</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>1</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,458</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>24</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>2,483</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Credit cards and unsecured</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>107</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>25</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>132</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>8,040</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>12</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>8,184</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Deposit account</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>791</p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>-</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>791</p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>        Other</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,743</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>75</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>1,818</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'> </p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'>    Total</p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'>$<u>2,466</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>263</u></p> </td> <td width="10%" valign="bottom" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>-</u></p> </td> <td width="7%" valign="bottom" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>2,729</u></p> </td> <td width="9%" valign="bottom" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>96,221</u></p> </td> <td width="12%" valign="bottom" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>4,638</u></p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right;line-height:12.0pt'><u>103,588</u></p> </td> </tr> <tr align="left"> <td width="30%" valign="top" style='width:30.9%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="10%" valign="top" style='width:10.04%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="7%" valign="top" style='width:7.4%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.66%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="12%" valign="top" style='width:12.3%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> <td width="9%" valign="top" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;line-height:12.0pt'> </p> </td> </tr> </table>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="27%" colspan="3" valign="bottom" style='width:27.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>With No Related Allowance Recorded</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="27%" colspan="3" valign="bottom" style='width:27.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>With an Allowance Recorded</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="27%" colspan="3" valign="bottom" style='width:27.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Total</b></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unpaid</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unpaid</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;border:none;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Unpaid</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Principal</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Related</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Principal</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Related</b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Recorded</b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Principal</b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Related</b></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Balance</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Allowance</u></b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Balance</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Allowance</u></b></p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Investment</u></b></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Balance</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-align:center'><b><u>Allowance</u></b></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At September 30, 2012:</i></b></p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Real estate loans:</p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="2%" valign="top" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="8%" valign="top" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> <td width="9%" valign="top" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    One-to four-family</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$2,566</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,941</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>723</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>723</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>38</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,289</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,664</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>38</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Lot loans</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>73</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>318</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>73</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>318</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Consumer loans:</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt;margin-left:.1in'>  Home equity</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>261</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>438</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>62</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>62</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>323</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>500</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>1</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>     Credit cards and unsecured</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>46</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>40</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>46</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>2,940</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,743</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>785</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>785</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>39</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,725</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,528</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>39</u></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'><b><i>At December 31, 2011:</i></b></p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Real estate loans:</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    One-to four-family</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,786</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,328</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>301</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>301</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>36</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,087</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,629</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>36</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Lot loans</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>47</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>182</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>108</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>108</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>85</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>155</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>290</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>85</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>  Consumer loans:</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Home equity</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>574</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>660</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>-</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>16</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>16</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>590</p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>676</p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>3</p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>    Automobile</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>18</u></p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> </tr> <tr align="left"> <td width="12%" valign="top" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt'> <p style='margin:0in;margin-bottom:.0001pt'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'>$<u>3,407</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,170</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>-</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>443</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>443</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>142</u></p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'> </p> </td> <td width="9%" valign="bottom" style='width:9.88%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>3,850</u></p> </td> <td width="8%" valign="bottom" style='width:8.54%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>4,613</u></p> </td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-align:right'><u>142</u></p> </td> </tr> </table>
<!--egx--><p style='margin:0in;margin-bottom:.0001pt'> </p> <table border="0" cellspacing="0" cellpadding="0" width="97%" style='width:97.08%;border-collapse:collapse'> <tr align="left"> <td width=&q