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Denmark State Bancshares
10-Q
--12-31
118917
41519250
false
0000885531
Yes
No
Smaller Reporting Company
No
2011
Q2
2011-06-30
<p>
<font size="3"><b>NOTE 1 - FINANCIAL STATEMENTS</b></font>
</p><br/><p align="justify">
<font size="2">The consolidated financial statements included
herein are unaudited. In the opinion of management, these
statements contain all adjustments necessary to present
fairly the financial position of Denmark Bancshares, Inc.
("DBI"), its results of operation and cash flows for the
periods presented. All adjustments necessary for the fair
presentation of the financial statements are of a normal
recurring nature. These consolidated financial statements
should be read in conjunction with the consolidated financial
statements and the notes hereto included in DBI's latest
annual report on Form 10-K. DBI's subsidiaries are Denmark
State Bank ("DSB"), Denmark Agricultural Credit Corporation
("DACC"), and DBI Properties, Inc. ("Properties").</font>
</p><br/><p align="justify">
<font size="2"><b>Reclassifications</b> - Certain amounts in
the prior period financial statements have been reclassified
for comparative purposes to conform to the presentation in
the current year.</font>
</p><br/>
<p align="justify">
<font size="2"><b>NOTE 2 - INVESTMENT SECURITIES</b></font>
</p><br/><p align="justify">
<font size="2">The amortized cost and estimated fair market
value of securities available-for-sale were as
follows:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="665">
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="7" height="17" valign="bottom" width="61%">
<font size="2"></font>
<p align="center">
<font size="2">June 30, 2011</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Amortized</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Cost</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Gains</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Losses</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored
agencies</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$1,476,550</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$24,750</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">($1,000)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$1,500,300</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored agency
MBS</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">32,588,944</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">522,217</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">(10,340)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">33,100,821</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">State and local governments</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">25,240,255</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">798,999</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">(292,989)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">25,746,265</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">Residential mortgage-backed
securities</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">10,006,465</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">60,705</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">(1,868,186)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">8,198,984</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="middle" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$69,312,214</font>
</p>
</td>
<td height="18" valign="middle" width="2%">
<p>
</p>
</td>
<td height="18" valign="middle" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,406,671</font>
</p>
</td>
<td height="18" valign="middle" width="2%">
<p>
</p>
</td>
<td height="18" valign="middle" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">($2,172,515)</font>
</p>
</td>
<td height="18" valign="middle" width="2%">
<p>
</p>
</td>
<td height="18" valign="middle" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$68,546,370</font>
</p>
</td>
</tr>
<tr>
<td height="13" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="middle" width="14%">
<p>
</p>
</td>
<td height="13" valign="middle" width="2%">
<p>
</p>
</td>
<td height="13" valign="middle" width="12%">
<p>
</p>
</td>
<td height="13" valign="middle" width="2%">
<p>
</p>
</td>
<td height="13" valign="middle" width="14%">
<p>
</p>
</td>
<td height="13" valign="middle" width="2%">
<p>
</p>
</td>
<td height="13" valign="middle" width="14%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="7" height="17" valign="bottom" width="61%">
<font size="2"></font>
<p align="center">
<font size="2">December 31, 2010</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="middle" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Amortized</font>
</p>
</td>
<td height="17" valign="middle" width="2%">
<p>
</p>
</td>
<td height="17" valign="middle" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="17" valign="middle" width="2%">
<p>
</p>
</td>
<td height="17" valign="middle" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="17" valign="middle" width="2%">
<p>
</p>
</td>
<td height="17" valign="middle" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="top" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Cost</font>
</p>
</td>
<td height="17" valign="top" width="2%">
<p>
</p>
</td>
<td height="17" valign="top" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Gains</font>
</p>
</td>
<td height="17" valign="top" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Losses</font>
</p>
</td>
<td height="17" valign="top" width="2%">
<p>
</p>
</td>
<td height="17" valign="top" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored
agencies</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored agency
MBS</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">20,854,514</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">251,779</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">(41,020)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">21,065,273</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">State and local governments</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">30,524,272</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">876,975</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">(494,985)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">30,906,262</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">Residential mortgage-backed
securities</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">12,741,679</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">117,494</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">(1,781,062)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">11,078,111</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="middle" width="37%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$64,120,465</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,246,248</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">($2,317,067)</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$63,049,646</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">Proceeds of $6.6 million from calls, $2.1
million from maturities, $2.0 million from sales and $4.8
million from normal pay-downs were primarily used for the
purchases of $16.0 million of agency mortgage-backed
securities, $3.1 million taxable municipals, $1.5 million of
agencies and $0.3 million of tax-exempt municipals to provide
better liquidity and less credit risk. There were no
purchases of non-agency mortgage-backed securities. The sales
consisted of two non-agency mortgage-backed securities and
one agency mortgage-backed security. The sales were executed
to improve credit quality and to utilize a portion of a
capital loss carry forward at the Nevada investment
subsidiary.</font>
</p><br/><p align="justify">
<font size="2">The amortized cost and estimated fair values
of securities at June 30, 2011, by maturity were as
follows:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="441">
<tr>
<td height="14" valign="bottom" width="54%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td colspan="3" height="14" valign="top" width="42%">
<font size="2"></font>
<p align="center">
<font size="2">Securities Available-for-Sale</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="bottom" width="54%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="bottom" width="54%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="middle" width="19%">
<font size="2"></font>
<p align="center">
<font size="2">Amortized</font>
</p>
</td>
<td height="14" valign="middle" width="4%">
<p>
</p>
</td>
<td height="14" valign="middle" width="19%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="top" width="54%">
<font size="2"></font>
<p>
<font size="2">Amounts Maturing</font>
</p>
</td>
<td height="14" valign="top" width="4%">
<p>
</p>
</td>
<td height="14" valign="top" width="19%">
<font size="2"></font>
<p align="center">
<font size="2">Cost</font>
</p>
</td>
<td height="14" valign="top" width="4%">
<p>
</p>
</td>
<td height="14" valign="top" width="19%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="bottom" width="54%">
<font size="2"></font>
<p>
<font size="2">Within one year</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">$2,763,499</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">$2,789,377</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="bottom" width="54%">
<font size="2"></font>
<p>
<font size="2">From one through five years</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">40,554,082</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">40,418,325</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="bottom" width="54%">
<font size="2"></font>
<p>
<font size="2">From five through ten years</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">12,981,729</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">13,124,676</font>
</p>
</td>
</tr>
<tr>
<td height="14" valign="bottom" width="54%">
<font size="2"></font>
<p>
<font size="2">After ten years</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">13,012,904</font>
</p>
</td>
<td height="14" valign="bottom" width="4%">
<p>
</p>
</td>
<td height="14" valign="bottom" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">12,214,135</font>
</p>
</td>
</tr>
<tr>
<td height="15" valign="middle" width="54%">
<p>
</p>
</td>
<td height="15" valign="middle" width="4%">
<p>
</p>
</td>
<td height="15" valign="middle" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">$69,312,214</font>
</p>
</td>
<td height="15" valign="middle" width="4%">
<p>
</p>
</td>
<td height="15" valign="middle" width="19%">
<font size="2"></font>
<p align="right">
<font size="2">$68,546,513</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">Mortgage-backed securities are allocated
according to their expected prepayments rather than their
contractual maturities. Certain state and local governments'
securities are allocated according to their put date. Fair
values of securities are estimated based on financial models
or prices paid for similar securities. It is possible
interest rates could change considerably resulting in a
material change in the estimated fair value of the
securities.</font>
</p><br/><p align="justify">
<font size="2">At June 30, 2011, thirteen debt securities
have unrealized losses with aggregate depreciation of 16.0%
from DSB's amortized cost basis. Information pertaining to
securities with gross unrealized losses aggregated by
investment category and length of time that individual
securities have been in a continuous loss position
follows:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="657">
<tr>
<td height="16" valign="bottom" width="37%">
<u><font size="2"></font></u>
<p>
<u><font size="2">June 30, 2011</font></u>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="16" valign="top" width="29%">
<font size="2"></font>
<p align="center">
<font size="2">Less Than Twelve Months</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td colspan="3" height="16" valign="top" width="29%">
<font size="2"></font>
<p align="center">
<font size="2">Over Twelve Months</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="16" valign="middle" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
<td height="16" valign="middle" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="16" valign="middle" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="top" width="37%">
<font size="2"></font>
<p>
<font size="2">Securities Available for Sale</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Losses</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="top" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Losses</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="top" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored
agencies</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,000</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$499,000</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored agency
MBS</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">10,340</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">1,687,798</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">State and local governments</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">27,869</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">1,269,265</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">265,120</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">1,755,953</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">Residential mortgage-backed
securities</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">674,256</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">2,585,386</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">1,193,930</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">3,607,275</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">Total securities available for
sale</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$713,465</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$6,041,449</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$1,459,050</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$5,363,228</font>
</p>
</td>
</tr>
<tr>
<td height="13" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="14%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="13" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="14%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="13" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<u><font size="2"></font></u>
<p>
<u><font size="2">December 31, 2010</font></u>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="16" valign="top" width="29%">
<font size="2"></font>
<p align="center">
<font size="2">Less Than Twelve Months</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td colspan="3" height="16" valign="top" width="29%">
<font size="2"></font>
<p align="center">
<font size="2">Over Twelve Months</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Gross</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Estimated</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="16" valign="middle" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
<td height="16" valign="middle" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Unrealized</font>
</p>
</td>
<td height="16" valign="middle" width="2%">
<p>
</p>
</td>
<td height="16" valign="middle" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="top" width="37%">
<font size="2"></font>
<p>
<font size="2">Securities Available for Sale</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Losses</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="top" width="14%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Losses</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="top" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored agency
MBS</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$41,020</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$5,082,159</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">State and local governments</font>
</p>
</td>
<td height="16" valign="top" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">67,071</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">3,284,508</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">427,914</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">1,592,771</font>
</p>
</td>
</tr>
<tr>
<td height="16" valign="middle" width="37%">
<font size="2"></font>
<p>
<font size="2">Residential mortgage-backed
securities</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">628,597</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">2,796,779</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">1,152,465</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,110,985</font>
</p>
</td>
</tr>
<tr>
<td height="19" valign="bottom" width="37%">
<font size="2"></font>
<p>
<font size="2">Total securities available for
sale</font>
</p>
</td>
<td height="19" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="19" valign="middle" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$736,688</font>
</p>
</td>
<td height="19" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="19" valign="middle" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$11,163,446</font>
</p>
</td>
<td height="19" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="19" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$1,580,379</font>
</p>
</td>
<td height="19" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="19" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$5,703,756</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">All securities with unrealized losses are
assessed to determine if the impairment is
other-than-temporary. Factors that are evaluated include the
mortgage loan types supporting the securities, delinquency
and foreclosure rates, credit support, weighted average
loan-to-value, and year of origination, among others.</font>
</p><br/><p align="justify">
<font size="2">Currently, a quarterly analysis by a third
party is performed on three residential mortgage-backed
securities secured by non-traditional loan types in order to
determine whether they are other-than-temporarily impaired
("OTTI"). The purpose of the third party evaluation is to
determine if the present value of the expected cash flows is
less than the amortized costs, thereby resulting in credit
loss, in accordance with the authoritative accounting
guidance under <i>FASB ASC Topic 320.</i> The third party
determines an estimated fair value for each security based on
discounted cash flow analyses. The estimates are based on the
following key valuation assumptions - collateral cash flows,
prepayment assumptions, default rates, loss severity,
liquidation lag, bond waterfall and internal rate of return.
Since there is currently no active secondary market for these
types of securities due to the non-traditional loan types
supporting the securities, these valuations are considered
Level 3 inputs as defined in Note 5 - Fair Value Measurement.
Additional securities may be analyzed in the future if deemed
necessary to determine whether they are OTTI and if so, if
any possible credit loss exists.</font>
</p><br/><p align="justify">
<font size="2">Two of the three securities supported by
non-traditional loan types were found to have credit losses
during an analysis as of March 31, 2009 since a portion of
the unrealized losses is due to an expected cash flow
shortfall. As such, these securities were determined to be
OTTI. DBI does not intend to sell the investments and it is
not more likely than not that DBI will be required to sell
the securities before the anticipated recovery of their
remaining amortized cost bases, which may be maturity. The
total credit loss that was recognized in earnings as of March
31, 2009 was $0.3 million. The analysis on the third security
did not reveal any credit loss nor was the security found to
be OTTI. Based on the analyses performed in 2010, there was
an additional $0.1 million of credit loss recognized on one
of the two OTTI securities. The analysis performed as of June
30, 2011 resulted in an additional $80,353 of credit loss
that was recorded through the income statement during the
current period, for a total credit loss year-to-date of
$104,827 on this security. Unrealized losses on the three
securities analyzed by the third party were recognized
through accumulated other comprehensive loss on the balance
sheet as of June 30, 2011, net of tax, in the amount of $1.1
million.</font>
</p><br/><p align="justify">
<font size="2">The unrealized losses on the remainder of the
residential mortgage-backed securities are due to the
distressed and illiquid markets for collateralized mortgage
obligations. The securities are investments in senior
tranches with adequate credit support from subordinate
tranches, are supported by traditional mortgage loans that
originated between 2002 and 2005, have low delinquency and
foreclosure rates, and reasonable loan-to-value ratios. DBI
does not consider these investments to be OTTI at June 30,
2011.</font>
</p><br/><p align="justify">
<font size="2">Changes in credit losses recognized for
securities with OTTI were as follows:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="657">
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="36%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="27%">
<font size="2"></font>
<p align="center">
<font size="2">For the Six Months Ended</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">For the Year Ended</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="36%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="27%">
<font size="2"></font>
<p align="center">
<font size="2">June 30,</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">December 31,</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="36%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">2011</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">2010</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">2010</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="4" height="17" valign="bottom" width="53%">
<font size="2"></font>
<p>
<font size="2">Credit losses recognized in earnings,
beginning of period</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">($432,488)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">($312,716)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">($312,716)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="4" height="17" valign="bottom" width="53%">
<font size="2"></font>
<p>
<font size="2">Credit losses for OTTI not previously
recognized</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">(104,827)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">(119,772)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="4" height="18" valign="bottom" width="53%">
<font size="2"></font>
<p>
<font size="2">Credit losses recognized in earnings,
end of period</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">($537,315)</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">($312,716)</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">($432,488)</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
</tr>
</table><br/>
<p align="justify">
<font size="2"><b>NOTE 3 - LOANS</b></font>
</p><br/><p align="justify">
<font size="2">Loans are reported at the principal amount
outstanding, net of the allowance for credit losses. Interest
on loans is calculated and accrued by using the simple
interest method on the daily balance of the principal amount
outstanding. Loan origination fees are credited to income
when received and the related loan origination costs are
expensed as incurred. Capitalization of the fees net of the
related costs would not have a material effect on the
consolidated financial statements.</font>
</p><br/><p align="justify">
<font size="2">DBI's customer information system tracks the
past due status of all loans beginning with the first day a
payment is late. On a weekly basis, lenders are given a
report with all loans past due one day or more to allow them
to actively monitor the portfolio and attempt to keep past
due levels to a minimum.</font>
</p><br/><p align="justify">
<font size="2">All loans are given an internal risk rating
when the loan is originated. On a quarterly basis, risk
rating reports are distributed to the lenders to ensure that
loans are appropriately rated. On an annual basis, all
commercial loans over $100,000 and agricultural loans over
$200,000 are reviewed by the loan officer and/or credit
analyst. All loans over $1 million are independently reviewed
annually by the Chief Credit Officer. An independent third
party also performs periodic reviews of risk ratings to
ensure that loans are accurately graded. The internal risk
ratings are defined as:</font>
</p><br/><ul>
<li style="list-style: none">
<font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Non-classified loans</i> are assigned a
risk rating of 1 - 4 with a one-rated credit being the
highest quality. Non-classified loans have credit quality
that ranges from well above average quality to some
inherent industry weaknesses that may present higher than
average risk due to conditions affecting the borrower, the
borrower's industry or economic environment.</font>
</li>
<li style="list-style: none">
<p>
</p><font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Special mention loans</i> are assigned a
risk rating of 5. Potential weaknesses exist that deserve
management's close attention. If left uncorrected, the
potential weaknesses may result in deterioration of
repayment prospects or in the bank's credit position at
some future date.</font>
</li>
<li style="list-style: none">
<p>
</p><font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Substandard loans</i> are assigned a
rating of 6. These loans are inadequately protected by the
current worth and borrowing capacity of the borrower.
Well-defined weaknesses exist that may jeopardize the
liquidation of the debt. There is a possibility of some
loss if the deficiencies are not corrected. At this point,
the loan may still be performing and accruing.</font>
</li>
<li style="list-style: none">
<p>
</p><font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Doubtful loans</i> are rated 7 and have
all the weaknesses of a substandard credit plus the added
characteristic that the weaknesses make collection or
liquidation in full on the basis of current facts,
conditions and values highly questionable and improbable.
The possibility of loss is extremely high but because of
certain important and reasonable specific pending factors,
which may work to the advantage of strengthening the asset,
its classification as an estimated loss is deferred until
its more exact status can be determined.</font>
</li>
<li style="list-style: none">
<p>
</p><font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Loss loans</i> are internally rated as an
8. A loss amount has been determined and this has been
charged-off against the allowance for loan losses. All or a
portion of the charge-off may be recovered in the future
and any such recoveries would also be recorded through the
allowance.</font>
</li>
<li style="list-style: none">
<p>
</p>
</li>
</ul><br/><p align="justify">
<font size="2">DBI's policy is to place into nonaccrual
status all loans that are contractually past due 90 days or
more, along with other loans as to which reasonable doubt
exists to the full and timely collection of principal and/or
interest based on management's view of the financial
condition of the borrower. When a loan is placed on
nonaccrual, all interest previously accrued but not collected
is reversed against current period interest income. Income on
such loans is then recognized only to the extent that cash is
received and where the future collection of principal is
probable. Interest accruals are resumed on such loans only
when they are brought current with respect to interest and
principal and when, in the judgment of management, the loans
are estimated to be fully collectible as to both principal
and interest.</font>
</p><br/><p align="justify">
<font size="2">Loan charge-offs for all loans will occur as
soon as there is a reasonable probability of loss. When the
amount of the loss can be readily calculated, the charge-off
will be recorded as soon as practical within the calendar
quarter the loss was identified. Loans that are partially
charged-off will be placed in nonaccrual status unless the
remaining loan is restructured with adequate collateral and
payments are assured and current.</font>
</p><br/><p align="justify">
<font size="2">A loan is impaired when, based on current
information and events, it is probable that not all amounts
due will be collected according to the contractual terms of
the loan agreement. Interest income is recognized in the same
manner described above for nonaccrual loans. Further detail
on the analysis of impaired loans can be found below in the
discussion of the Allowance for Loan Losses.</font>
</p><br/><p align="justify">
<font size="2"><b>Allowance for Loan Losses</b></font>
</p><br/><p align="justify">
<font size="2">The allowance for loan losses is an estimate
of the losses that estimated to have been incurred in the
loan portfolio. The allowance is based on two basic
accounting principles: (1) <i>FASB Accounting Standards
Codification (ASC) Topic 310-10 "Receivables - Overall,"</i>
(formerly FAS 114) which requires that losses be accrued when
it is probable that DBI will not collect all principal and
interest payments according to the loan's contractual terms,
and, (2) <i>FASB</i> <i>ASC Topic 450, "Contingencies,"</i>
(formerly FAS 5) which requires that losses be accrued when
they are probable of occurring and estimable. The FFIEC
"Interagency Policy Statement on the Allowance for Loan and
Lease Losses" provides additional guidance on the allowance
methodology.</font>
</p><br/><p align="justify">
<font size="2">On a quarterly basis, management utilizes a
systematic methodology to determine an appropriate allowance
for loan losses. This methodology includes a loan grading
system that requires quarterly reviews; identification of
loans to be evaluated on an individual basis for impairment;
results of independent reviews of asset quality and the
adequacy of the allowance by regulatory agencies;
consideration of current trends and volumes of nonperforming,
past-due, nonaccrual and potential problem loans; as well as
national and local economic trends and industry
conditions.</font>
</p><br/><p align="justify">
<font size="2">In applying the methodology, all troubled debt
restructurings, regardless of size, are considered impaired
and will be individually evaluated. All nonaccrual and
watchlist commercial real estate, construction and land
development, agricultural real estate, multifamily
residential real estate, commercial, and agricultural
production loans over $50,000 are evaluated individually to
determine if they are impaired. Nonaccrual residential real
estate or consumer loans that are larger than customary for
DBI will also be considered impaired and evaluated
individually as there would be no pool of similar loans to
evaluate these loans under <i>ASC Topic 450.</i> Impaired
loans are measured at the estimated fair value of the
collateral. If the estimated fair value of the impaired loan
is less than the recorded investment in the loan, an
impairment is recognized by creating a valuation allowance in
conjunction with <i>ASC Topic 310-10.</i></font>
</p><br/><p align="justify">
<font size="2">Loans that are not impaired are segmented into
groups by type of loan. The following loan types are utilized
so each segment of loans will have similar risk factors: (1)
residential real estate, (2) agricultural real estate, (3)
commercial real estate, (4) construction and land
development, (5) commercial, (6) agricultural, (7) consumer,
(8) guaranteed loans and (9) other. These loans are further
segmented by internal risk ratings of non-classified, special
mention, substandard and doubtful, which are defined
above.</font>
</p><br/><p align="justify">
<font size="2">Risk factor percentages are applied to the
risk rating segments of the non-impaired loans to calculate
an allowance allocation in conjunction with <i>ASC Topic
450.</i> The risk factor percentages are based on historical
loan loss experience for each loan type and are adjusted for
current economic conditions and trends as well as internal
loan quality trends. The historical loan loss percentages are
applied to the non-classified portion of the portfolio to
determine the required allocation to the allowance. The
historical loan loss percentages are then multiplied by a
factor based on current economic conditions to calculate the
allocation for each of the remaining risk rating categories
of the non-impaired loans. The current economic conditions
take into account items such as vacancy rates for rental
properties; property values based on actual sales
transactions; income projections based on current prices such
as dairy commodities; and other available economic
data.</font>
</p><br/><p align="justify">
<font size="2">The above steps result in calculations that
estimate the credit losses inherent in the portfolio at that
time. The calculations are used to confirm the adequacy and
appropriateness of the actual balance of the allowance,
recognizing that the allowance represents an aggregation of
judgments and estimates by management. Such calculations will
influence the amount of future provisions for loan losses
charged to expense.</font>
</p><br/><p align="justify">
<font size="2">The calculation is submitted to DSB's Board of
Directors quarterly along with a recommendation for the
amount of the monthly provision to the allowance. If the mix
and amount of future charge-offs differ significantly from
those assumptions used by management in making its
determination, the allowance and provision expense could be
materially affected.</font>
</p><br/><p align="justify">
<font size="2">Major categories of loans included in the loan
portfolio are as follows:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="555">
<tr>
<td height="17" valign="bottom" width="44%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="middle" width="17%">
<font size="2"></font>
<p align="center">
<font size="2">June 30,</font>
</p>
</td>
<td height="17" valign="middle" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="middle" width="18%">
<font size="2"></font>
<p>
<font size="2">December 31,</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="center">
<font size="2">2011</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="center">
<font size="2">2010</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<font size="2"></font>
<p>
<font size="2"> </font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Real Estate:</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p>
<font size="2"> </font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Residential</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$74,371,943</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">$77,983,729</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">61,907,992</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">58,304,345</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">71,864,115</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">71,782,458</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Construction</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">11,985,029</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">12,792,496</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">220,129,079</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">220,863,028</font>
</p>
</td>
</tr>
<tr>
<td height="8" valign="top" width="44%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="15%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="9%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="9%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="15%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">38,622,955</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">42,427,251</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">24,858,698</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">24,725,859</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">Consumer and other</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">10,243,880</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">11,338,866</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="top" width="44%">
<font size="2"></font>
<p>
<font size="2">TOTAL</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$293,854,612</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">$299,355,004</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">The following tables show the investment in
impaired loans and the corresponding allowance for those
loans along with the reduction in interest income associated
with impaired loans:</font>
</p><br/><p align="center">
<font size="2"><b>Impaired Loans</b></font>
</p><br/><p align="center">
<font size="2"><b>As of June 30, 2011 and 2010</b></font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="630">
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Unpaid</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Average</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Interest</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Recorded</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Principal</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Related</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Recorded</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Income</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<b><font size="2"></font></b>
<p>
<b><font size="2">2011</font></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Investment</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Balance</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Allowance</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Investment</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Recognized</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="18" valign="bottom" width="28%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">With no related
allowance:</font></i></b>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$428</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$567</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$573</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$5</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,426</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,831</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,862</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">11</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,339</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,339</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,344</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">52</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">686</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">944</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">950</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">6</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">43</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">43</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">44</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">With a related
allowance:</font></i></b>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,182</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,272</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$299</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,282</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$7</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">3,528</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,090</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">698</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,122</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">8</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,961</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,961</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">89</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,962</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">45</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">40</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">42</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">17</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">42</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">101</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">146</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">147</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">133</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">149</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">Total:</font></i></b>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,610</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,839</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$299</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,855</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$12</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,954</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">5,921</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">698</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">5,984</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">19</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,300</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,300</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">89</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,306</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">97</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">726</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">986</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">17</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">992</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">6</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">101</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">189</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">190</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">133</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">193</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="23%">
<font size="2"></font>
<p align="right">
<font size="2">Total</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$12,141</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$13,598</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,337</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$13,692</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$137</font>
</p>
</td>
</tr>
</table><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="630">
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Unpaid</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Average</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Interest</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Recorded</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Principal</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Related</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Recorded</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Income</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<b><font size="2"></font></b>
<p>
<b><font size="2">2010</font></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Investment</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Balance</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Allowance</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Investment</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Recognized</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="18" valign="bottom" width="28%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">With no related
allowance:</font></i></b>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$856</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$951</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$773</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$4</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,765</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,067</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,342</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">36</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,001</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,001</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">667</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">27</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">321</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">434</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">296</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">130</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">130</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">109</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(1)</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">20</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">20</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">16</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">With a related
allowance:</font></i></b>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$738</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$738</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$253</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$641</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$18</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,024</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,447</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">405</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,257</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">28</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">438</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">438</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">204</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">394</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">10</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">253</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">299</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">157</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">233</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">3</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">Total:</font></i></b>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,594</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,689</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$253</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,414</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$22</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,789</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">6,514</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">405</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,599</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">64</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,439</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2,439</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">204</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,061</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">37</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">574</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">733</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">157</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">529</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">130</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">130</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">109</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(1)</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">20</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">20</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">16</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="23%">
<font size="2"></font>
<p align="right">
<font size="2">Total</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$9,546</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$11,525</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,019</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$7,728</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$127</font>
</p>
</td>
</tr>
</table><br/><p align="center">
<font size="2"><b>Recorded Investment in Financing
Receivables</b></font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="765">
<tr>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="19%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="7" height="15" valign="bottom" width="50%">
<b><font size="2"></font></b>
<p align="center">
<b><font size="2">June 30,</font></b>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="19%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="15" valign="bottom" width="24%">
<b><font size="2"></font></b>
<p align="center">
<b><font size="2">2011</font></b>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="15" valign="bottom" width="24%">
<b><font size="2"></font></b>
<p align="center">
<b><font size="2">2010</font></b>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="3" height="15" valign="bottom" width="24%">
<b><font size="2"></font></b>
<p align="center">
<b><font size="2">December 31, 2010</font></b>
</p>
</td>
</tr>
<tr>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="19%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Ending Balance</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Ending Balance</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Ending Balance</font>
</p>
</td>
</tr>
<tr>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="19%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Individually</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Individually</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Individually</font>
</p>
</td>
</tr>
<tr>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="19%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Evaluated</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Evaluated</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Evaluated</font>
</p>
</td>
</tr>
<tr>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="19%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="center">
<font size="2">Balance</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">for Impairment</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="center">
<font size="2">Balance</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">for Impairment</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Balance</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">for Impairment</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">$74,372</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$1,610</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">$83,081</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$1,594</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$77,984</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,785</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">61,908</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,954</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">64,957</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,789</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">58,304</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">5,768</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">11,985</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,300</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">13,997</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">2,438</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">12,793</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,326</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">71,864</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">61,552</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">71,782</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">38,623</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">726</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">30,423</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">574</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">42,427</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">285</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">24,859</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">35,802</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">131</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">24,726</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="15" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">10,244</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">189</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">11,167</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">20</font>
</p>
</td>
<td height="15" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">11,339</font>
</p>
</td>
<td height="15" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="15" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">150</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="21%">
<font size="2"></font>
<p>
<font size="2">Unallocated</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="21%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total</font></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">$293,855</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$12,141</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="8%">
<font size="2"></font>
<p align="right">
<font size="2">$300,979</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$9,546</font>
</p>
</td>
<td height="17" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$299,355</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$12,430</font>
</p>
</td>
</tr>
</table><br/><p align="center">
<b><font size="2">Allowance for Loan Losses</font></b>
</p><br/><p align="center">
<b><font size="2">For the Six Months Ended June 30, 2011 and
2010</font></b>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="752">
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">$(000)s</font></i></b>
</p>
<p>
<b><i><font size="2"> </font></i></b>
</p>
<p>
<b><i><font size="2"> </font></i></b>
</p>
<p>
<b><i><font size="2"> </font></i></b>
</p>
<p>
<b><font size="2">2011</font></b>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Beginning</font>
</p>
<p align="center">
<font size="2">Balance</font>
</p>
<p align="center">
<font size="2">1/1/2011</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Charge-offs</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Recoveries</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Provision</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
<p align="center">
<font size="2">Balance</font>
</p>
<p align="center">
<font size="2">6/30/2011</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
<p align="center">
<font size="2">Balance</font>
</p>
<p align="center">
<font size="2">Individually</font>
</p>
<p align="center">
<font size="2">Evaluated</font>
</p>
<p align="center">
<font size="2">for Impairment</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$1,429</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">($32)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$19</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$68</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$1,484</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$299</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">2,849</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(431)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">3</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">272</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">2,693</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">698</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">880</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(139)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">25</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">47</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">813</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">89</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">204</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">1</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">205</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">278</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(252)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">29</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">187</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">242</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">17</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">347</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">5</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">(10)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">342</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">101</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">160</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(7)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">3</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">(2)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">154</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">133</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Unallocated</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">718</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">(263)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">455</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="22%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total</font></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$6,865</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">($861)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$84</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$300</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$6,388</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,337</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="20%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="20%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="12%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">$(000)s</font></i></b>
</p>
<p>
<b><i><font size="2"> </font></i></b>
</p>
<p>
<b><i><font size="2"> </font></i></b>
</p>
<p>
<b><i><font size="2"> </font></i></b>
</p>
<p>
<b><font size="2">2010</font></b>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Beginning</font>
</p>
<p align="center">
<font size="2">Balance</font>
</p>
<p align="center">
<font size="2">1/1/2011</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Charge-offs</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Recoveries</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Provision</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
<p align="center">
<font size="2">Balance</font>
</p>
<p align="center">
<font size="2">6/30/2011</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Ending</font>
</p>
<p align="center">
<font size="2">Balance</font>
</p>
<p align="center">
<font size="2">Individually</font>
</p>
<p align="center">
<font size="2">Evaluated</font>
</p>
<p align="center">
<font size="2">for Impairment</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$1,748</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">($107)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$6</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">($285)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$1,362</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$253</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">2,221</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(339)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">8</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">(10)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">1,880</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">405</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">1,319</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">259</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">1,578</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">204</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">67</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">14</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">89</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">170</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">310</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(13)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">22</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">122</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">441</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">157</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">150</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">4</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">153</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">307</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">59</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">(37)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">10</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">(14)</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">18</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="16" valign="bottom" width="22%">
<font size="2"></font>
<p>
<font size="2">Unallocated</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">352</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">416</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">768</font>
</p>
</td>
<td height="16" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="16" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="22%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total</font></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$6,226</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">($496)</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$64</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$730</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$6,524</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,019</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">Nonaccrual loans totaled $7.2 million and $8.6
million at June 30, 2011 and December 31, 2010, respectively.
There were no loans past due ninety days or more and still
accruing. A schedule of loans by the number of days past due
(including nonaccrual loans) along with a schedule of credit
quality indicators follows:</font>
</p><br/><p align="center">
<font size="2"><b>Age Analysis of Past Due Financing
Receivables</b></font>
</p><br/><table align="left" border="1" cellpadding="7" cellspacing="1" dir="ltr" width="717">
<tr>
<td colspan="2" height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">30-89 Days</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">90 Days</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Total</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Total Financing</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="23%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Past Due</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">& Over</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Past Due</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Current</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Receivables</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="23%">
<b><u><font size="2"></font></u></b>
<p>
<b><u><font size="2">June 30, 2011</font></u></b>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$545</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$176</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$721</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$73,651</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$74,372</font>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">218</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">3,942</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,160</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">47,828</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">61,908</font>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">250</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">250</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">11,735</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">11,985</font>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">71,618</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">71,864</font>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">296</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">33</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">329</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">48,214</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">38,623</font>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">2</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">115</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">117</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">24,742</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">24,859</font>
</p>
</td>
</tr>
<tr>
<td colspan="5" height="11" valign="bottom" width="26%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">28</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">53</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">81</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="11" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">10,163</font>
</p>
</td>
<td height="11" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">10,244</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="3" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="3" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="12" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="12" valign="bottom" width="23%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total</font></b>
</p>
</td>
<td height="12" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="12" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,089</font>
</p>
</td>
<td height="12" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="12" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$4,815</font>
</p>
</td>
<td height="12" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="12" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$5,904</font>
</p>
</td>
<td height="12" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="12" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$287,951</font>
</p>
</td>
<td height="12" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="12" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$293,855</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="21%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="center">
<font size="2">30-89 Days</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">90 Days</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="center">
<font size="2">Total</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="center">
<font size="2">Total Financing</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="21%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="center">
<font size="2">Past Due</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">& Over</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="center">
<font size="2">Past Due</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="center">
<font size="2">Current</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="center">
<font size="2">Receivables</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="5" valign="bottom" width="21%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="22%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="17" valign="bottom" width="21%">
<b><u><font size="2"></font></u></b>
<p>
<b><u><font size="2">December 31, 2010</font></u></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<p>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">$376</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$396</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">$772</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">$77,212</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">$77,984</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,220</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">4,220</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">54,084</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">58,304</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">402</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">402</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">12,391</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">12,793</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">71,782</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">71,782</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">4</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">61</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">65</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">42,362</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">42,427</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">24,610</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">24,726</font>
</p>
</td>
</tr>
<tr>
<td colspan="3" height="17" valign="bottom" width="23%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">74</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">30</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">104</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">11,235</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="17" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">11,339</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="5" valign="bottom" width="21%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="22%">
<p>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="18" valign="bottom" width="21%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total</font></b>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="18" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">$454</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$5,225</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="18" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">$5,679</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="18" valign="bottom" width="11%">
<font size="2"></font>
<p align="right">
<font size="2">$293,676</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="18" valign="bottom" width="22%">
<font size="2"></font>
<p align="right">
<font size="2">$299,355</font>
</p>
</td>
</tr>
<tr>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="2" height="5" valign="bottom" width="21%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="11%">
<p>
</p>
</td>
<td height="5" valign="bottom" width="2%">
<p>
</p>
</td>
<td colspan="3" height="5" valign="bottom" width="22%">
<p>
</p>
</td>
</tr>
</table><br/><p align="center">
<font size="2"><b>Credit Quality Indicators</b></font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="680">
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<b><u><font size="2"></font></u></b>
<p>
<b><u><font size="2">June 30, 2011</font></u></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Non-Classified</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Special</font>
</p>
<p align="center">
<font size="2">Mention</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Substandard</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Doubtful</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Total</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$58,945</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$7,528</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$6,962</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$937</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$74,372</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">47,746</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">5,450</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,442</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,270</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">61,908</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,378</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">2,386</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,971</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">250</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">11,985</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">63,455</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">8,163</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">246</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">71,864</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">34,611</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">2,751</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">1,083</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">178</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">38,623</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">20,735</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,002</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">6</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">24,859</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">9,800</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">189</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">102</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">153</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">10,244</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Total</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$239,670</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$30,469</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$17,812</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$5,904</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$293,855</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="23%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<i><font size="1"></font></i>
<p>
<i><font size="1">$(000)s</font></i>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="23%">
<b><u><font size="2"></font></u></b>
<p>
<b><u><font size="2">December 31, 2010</font></u></b>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Non-Classified</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Special</font>
</p>
<p align="center">
<font size="2">Mention</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Substandard</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="center">
<font size="2">Doubtful</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Total</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Residential Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$62,133</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$7,782</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$6,903</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$1,166</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$77,984</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">42,362</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">7,249</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">3,163</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">5,530</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">58,304</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Construction & Land Dev</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,311</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">3,289</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">4,791</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">402</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">12,793</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural Real Estate</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">66,103</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">5,630</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">49</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">71,782</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Commercial</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">38,383</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">2,953</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">870</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">221</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">42,427</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Agricultural</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">22,283</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">2,320</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">7</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">116</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">24,726</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="17" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Consumer</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">10,929</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">113</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">142</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">155</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">11,339</font>
</p>
</td>
</tr>
<tr>
<td colspan="2" height="18" valign="bottom" width="25%">
<font size="2"></font>
<p>
<font size="2">Total</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$246,504</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$29,336</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$15,925</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="12%">
<font size="2"></font>
<p align="right">
<font size="2">$7,590</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$299,355</font>
</p>
</td>
</tr>
</table><br/>
<p align="justify">
<font size="2"><b>NOTE 4 - NEW ACCOUNTING
PRONOUNCEMENTS</b></font>
</p><br/><p align="justify">
<font size="2">In April 2011, FASB issued Accounting
Standards Update ("ASU") No. 2011-02 <i>A Creditor's
Determination of Whether a Restructuring Is a Troubled Debt
Restructuring ("TDR").</i> This update to <i>Topic 310,
"Receivables,"</i> provides guidance for evaluating whether a
restructuring constitutes a TDR. The ASU indicates that the
creditor's evaluation must separately conclude that both the
following exist: (a) the restructuring constitutes a
concession; and (b) the debtor is experiencing financial
difficulties. The amendments also further clarify the
guidance on a creditor's evaluation of whether a concession
has been granted and whether a debtor is experiencing
financial difficulties. The amendments in this update are
effective for the first interim or annual period beginning
after June 15, 2011. Adoption of these amendments did not
have a significant impact on DBI's financial
statements.</font>
</p><br/><p align="justify">
<font size="2">In April 2011, FASB issued ASU No. 2011-03
<i>Reconsideration of Effective Control for Repurchase
Agreements.</i> This update to <i>Topic 860, "Transfers and
Servicing,"</i> modifies the criteria for determining when
repurchase agreements would be accounted for as a secured
borrowing rather than a sale. The provisions of ASU No.
2011-03 remove from the assessment of effective control the
criterion requiring the transferor to have the ability to
repurchase or redeem the financial assets on substantially
the agreed terms, even in the event of default by the
transferee and the collateral maintenance implementation
guidance related to that criterion. This update does not
change the other existing criteria used in the assessment of
effective control. ASU No. 2011-03 is effective prospectively
for transactions, or modifications of existing transactions,
that occur on or after January 1, 2012. These amendments will
not have an impact on DBI's financial statements.</font>
</p><br/><p align="justify">
<font size="2">In May 2011, FASB issued ASU No. 2011-04
<i>Amendments to Achieve Common Fair Value Measurement and
Disclosure Requirements in U.S. GAAP and IFRSs.</i> These
amendments to <i>Topic 820, "Fair Value Measurement,"</i>
result in common fair value measurement and disclosure
requirements in U.S. GAAP and International Financial
Reporting Standards ("IFRS"). The changes to U.S. GAAP as a
result of ASU No. 2011-04 are as follows; (a) the concepts of
highest and best use and valuation premise are only relevant
when measuring the fair value of nonfinancial assets; (b)
U.S. GAAP currently prohibits application of a blockage
factor in valuing financial instruments with quoted prices in
active markets. ASU No. 2011-04 extends that prohibition to
all fair value measurements; (c) an exception is provided to
the basic fair value measurement principles for an entity
that holds a group of financial assets and financial
liabilities with offsetting positions in market risks or
counterparty credit risk that are managed on the basis of the
entity's net exposure to either of those risks. This
exception allows the entity, if certain criteria are met, to
measure the fair value of the net asset or liability position
in a manner consistent with how market participants would
price the net risk position; (d) aligns the fair value
measurement of instruments classified within an entity's
shareholders' equity with the guidance for liabilities; and
(e) disclosure requirements have been enhanced for recurring
Level 3 fair value measurements to disclose quantitative
information about unobservable inputs and assumptions used,
to describe the valuation processes used by the entity, and
to describe the sensitivity of fair value measurements to
changes in unobservable inputs and interrelationships between
those inputs. In addition, entities must report the level in
the fair value hierarchy of items that are not measured at
fair value in the statement of condition but whose fair value
must be disclosed. The provisions of ASU No. 2011-04 are
effective for interim reporting periods beginning on or after
December 15, 2011. The adoption of ASU No. 2011-04 is not
expected to have a material impact on DBI's financial
statements.</font>
</p><br/><p align="justify">
<font size="2">In June 2011, FASB issued ASU No. 2011-05,
<i>Presentation of Comprehensive Income.</i> This update to
<i>Topic 220, "Comprehensive Income,"</i> allow an entity the
option to present the total of comprehensive income, the
components of net income and the components of other
comprehensive income either in a single continuous statement
of comprehensive income or in two separate but consecutive
statements. In both choices, an entity is required to present
each component of net income along with total net income,
each component of other comprehensive income along with a
total for other comprehensive income, and a total amount for
comprehensive income. The statement(s) are required to be
presented with equal prominence as the other primary
financial statements. ASU No. 2011-05 eliminates the option
to present the components of other comprehensive income as
part of the statement of changes in shareholders' equity but
does not change the items that must be reported in other
comprehensive income or when an item of other comprehensive
must be reclassified to net income. ASU No. 2011-05 is
effective for interim reporting periods beginning on or after
December 15, 2011, with retrospective application required.
The adoption of ASU No. 2011-05 is expected to result in
presentation changes to DBI's income statement and the
addition of a statement of other comprehensive income. The
adoption will have no impact on DBI's statement of financial
condition.</font>
</p><br/>
<p align="justify">
<font size="2"><b>NOTE 5 - FAIR VALUE MEASURMENT</b></font>
</p><br/><p align="justify">
<font size="2">Fair value is the exchange price that would be
received for an asset or paid to transfer a liability in the
principal or most advantageous market for the asset or
liability in a transaction between market participants on the
measurement date. Some assets and liabilities are measured on
a recurring basis while others are measured on a
non-recurring basis, as required by U.S. GAAP, which also
establishes a fair value hierarchy that requires an entity to
maximize the use of observable inputs and minimize the use of
unobservable inputs when measuring fair value. Fair value
estimates are made at a specific point in time based on
relevant market information and information about the
financial instrument. The three levels of inputs defined in
the standard that may be used to measure fair value are as
follows:</font>
</p><br/><ul>
<li style="list-style: none">
<font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Level 1:</i> Quoted prices for identical
assets or liabilities in active markets that the entity has
the ability to access as of the measurement date.</font>
</li>
<li style="list-style: none">
<p>
</p><font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Level 2:</i> Significant other observable
inputs other than Level 1 prices, such as quoted prices for
similar assets or liabilities, quoted prices in markets
that are not active, and other inputs that are observable
or can be corroborated by observable market data.</font>
</li>
<li style="list-style: none">
<p>
</p><font size="2"><i></i></font>
<p align="justify">
</p>
</li>
<li>
<font size="2"><i>Level 3:</i> Significant unobservable
inputs that are supported by little, if any, market
activity. These unobservable inputs reflect estimates that
market participants would use in pricing the assets or
liability.</font>
</li>
<li style="list-style: none">
<p>
</p>
</li>
</ul><br/><p align="justify">
<font size="2">DBI used the following methods and significant
assumptions to estimate fair value:</font>
</p><br/><p align="justify">
<font size="2"><b>Cash, Cash Equivalents, and Federal Funds
Sold:</b> For cash, cash equivalents and federal funds sold,
the carrying amount is a reasonable estimate of fair
value.</font>
</p><br/><p align="justify">
<font size="2"><b>Investment Securities:</b> Investment
securities available-for-sale ("AFS") are recorded at fair
value on a recurring basis. The fair value measurement of
most of DBI's AFS securities is currently determined by an
independent provider using Level 2 inputs (except as noted
below). The measurement is based upon quoted prices for
similar assets, if available. If quoted prices are not
available, fair values are measured using matrix pricing
models, or other model-based valuation techniques requiring
observable inputs other than quoted prices such as yield
curves, prepayment speed and default rates. Two of DBI's AFS
mortgage-backed securities ("MBS") that are secured by
non-traditional mortgage loans and one AFS MBS secured by
traditional mortgage loans that was downgraded during 2009
were analyzed by a third party in order to determine an
estimated fair value. The estimated fair values were based on
discounted cash flow analyses and are considered Level 3
inputs.</font>
</p><br/><p align="justify">
<font size="2">Refer to Note 2 - Investment Securities above
for additional detail on the assumptions used in determining
the estimated fair values and additional disclosures
regarding DBI's investment securities. For other securities
held as investments, fair value equals quoted market price,
if available. If a quoted market price is not available, fair
value is estimated using quoted market prices for similar
securities.</font>
</p><br/><p align="justify">
<font size="2"><b>Loans Receivable:</b> The fair value of
loans is estimated by discounting the future cash flows using
the current rates at which similar loans would be made to
borrowers with similar credit ratings and for the same
remaining maturities.</font>
</p><br/><p align="justify">
<font size="2"><b>Loans Held for Sale:</b> Mortgage loans
held for sale are recorded at the lower of cost or market
value. The fair value is based on a market commitment for the
sale of the loan in the secondary market. These loans are
typically sold within one week of funding. DBI classifies
mortgage loans held for sale as nonrecurring Level 2
assets.</font>
</p><br/><p align="justify">
<font size="2"><b>Impaired Loans:</b> As defined below in the
<i>Glossary of Loan Terms</i> section, a loan is considered
impaired when, based on current information or events, it is
probable that not all amounts due will be collected according
to the contractual terms of the loan agreement. Impairment is
measured based on the fair value of the underlying
collateral. The collateral value is determined based on
appraisals and other market valuations for similar assets.
Under <i>FASB ASC Topic 820, "Fair Value Measurements and
Disclosures,"</i> the fair value of impaired loans is
reported before selling costs of the related collateral,
while <i>FASB ASC Topic 310, "Receivables,"</i> requires that
impaired loans be reported on the balance sheet net of
estimated selling costs. Therefore, significant estimated
selling costs would result in the reported fair value of
impaired loans being greater than the measurement value of
impaired loans as maintained on the balance sheet. In most
instances, selling costs were estimated for real
estate-secured collateral and included broker commissions,
legal and title transfer fees and closing costs. Impaired
loans are classified as nonrecurring Level 2 assets.</font>
</p><br/><p align="justify">
<font size="2"><b>Other Investments:</b> For other
investments, the carrying amount is a reasonable estimate of
fair value.</font>
</p><br/><p align="justify">
<font size="2"><b>Other Real Estate Owned:</b> Real estate
that DBI has taken control of in partial or full satisfaction
of debt is valued at the lower of book value or fair value.
The fair value is determined by analyzing the collateral
value of the real estate using appraisals and other market
valuations for similar assets less any estimated selling
costs. The value carried on the balance sheet for other real
estate owned is estimated fair value of the properties. Other
real estate owned is classified as nonrecurring Level 2
assets.</font>
</p><br/><p align="justify">
<font size="2"><b>Bank Owned Life Insurance:</b> The carrying
amount of bank owned life insurance approximates fair
value.</font>
</p><br/><p align="justify">
<font size="2"><b>Deposit Liabilities:</b> The fair value of
demand deposits, savings accounts and certain money market
deposits is the amount payable on demand at the reporting
date. The fair value of fixed-maturity certificates of
deposit is estimated using the rates currently offered for
deposits of similar remaining maturities.</font>
</p><br/><p align="justify">
<font size="2"><b>Borrowings:</b> Rates currently available
to DSB for debt with similar terms and remaining maturities
are used to estimate fair value of existing debt.</font>
</p><br/><p align="justify">
<font size="2"><b>Commitments to Extend Credit, Standby
Letters of Credit and Financial Guarantees Written:</b> The
fair value of commitments is estimated using the fees
currently charged to enter into similar agreements, taking
into account the remaining terms of the agreements and the
present creditworthiness of the counterparties. For fixed
rate loan commitments, fair value also considers the
difference between current levels of interest rates and the
committed rates. The fair value of guarantees and letters of
credit is not material.</font>
</p><br/><p align="justify">
<font size="2"><b><i>Assets Recorded at Fair Value on a
Recurring Basis</i></b></font>
</p><br/><p align="justify">
<font size="2">Assets measured at fair value on a recurring
basis, are summarized in the table below:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="698">
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="7" height="20" valign="bottom" width="60%">
<font size="2"></font>
<p align="center">
<font size="2">June 30, 2011</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="5" height="20" valign="bottom" width="43%">
<font size="2"></font>
<p align="center">
<font size="2">Fair Value Measurements Using</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<p>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<u><font size="2"></font></u>
<p>
<u><font size="2">Description</font></u>
</p>
</td>
<td height="20" valign="bottom" width="9%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 1</font></u>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 2</font></u>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="14%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 3</font></u>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Fair Value</font></u>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored
agencies</font>
</p>
</td>
<td height="20" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$1,500,300</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$1,500,300</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored agency
MBS</font>
</p>
</td>
<td height="20" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">33,100,821</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">33,100,821</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="40%">
<font size="2"></font>
<p>
<font size="2">State and local governments</font>
</p>
</td>
<td height="17" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">25,746,265</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">25,746,265</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="40%">
<font size="2"></font>
<p>
<font size="2">Residential mortgage-backed
securities</font>
</p>
</td>
<td height="17" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">3,520,581</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">4,678,546</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">8,199,127</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Total securities available for
sale</font>
</p>
</td>
<td height="18" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$63,867,967</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$4,678,546</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$68,546,513</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="40%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="9%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="15%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="14%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="15%">
<p>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="7" height="20" valign="bottom" width="60%">
<font size="2"></font>
<p align="center">
<font size="2">December 31, 2010</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="5" height="20" valign="bottom" width="43%">
<font size="2"></font>
<p align="center">
<font size="2">Fair Value Measurements Using</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<p>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<u><font size="2"></font></u>
<p>
<u><font size="2">Description</font></u>
</p>
</td>
<td height="20" valign="bottom" width="9%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 1</font></u>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 2</font></u>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="14%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 3</font></u>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Fair Value</font></u>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored
agencies</font>
</p>
</td>
<td height="20" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">U.S. Government-sponsored agency
MBS</font>
</p>
</td>
<td height="20" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">21,065,273</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="20" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">21,065,273</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="40%">
<font size="2"></font>
<p>
<font size="2">State and local governments</font>
</p>
</td>
<td height="17" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">30,906,262</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">30,906,262</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="middle" width="40%">
<font size="2"></font>
<p>
<font size="2">Residential mortgage-backed
securities</font>
</p>
</td>
<td height="17" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">5,812,427</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">5,265,684</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">11,078,111</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Total securities available for
sale</font>
</p>
</td>
<td height="18" valign="bottom" width="9%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$57,783,962</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="14%">
<font size="2"></font>
<p align="right">
<font size="2">$5,265,684</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="15%">
<font size="2"></font>
<p align="right">
<font size="2">$63,049,646</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">The table below presents a reconciliation and
income statement classification of gains and losses for all
assets measured at fair value on a recurring basis using
significant unobservable (Level 3) for the quarter ended June
30, 2011.</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="562">
<tr>
<td colspan="6" height="11" valign="bottom">
<font size="2"></font>
<p align="center">
<font size="2">Fair Value Measurements Using
Significant Unobservable Inputs (Level 3)</font>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="center">
<font size="2">Available-</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="center">
<font size="2">for-Sale</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="center">
<font size="2">Securities</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Beginning balance, January 1,
2011</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">$5,265,684</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Total realized and unrealized
gains/(losses):</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Included in earnings</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">(104,827)</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Included in other comprehensive
income</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">(76,711)</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Purchases, issuances, sales and
settlements</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Purchases</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Issuances</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Sales</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Settlements</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">(405,600)</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Transfers into Level 3</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="11" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Transfers out of Level 3</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="11" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
<tr>
<td height="12" valign="bottom" width="71%">
<font size="2"></font>
<p>
<font size="2">Ending balance, June 30, 2011</font>
</p>
</td>
<td height="12" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="12" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="12" valign="bottom" width="18%">
<font size="2"></font>
<p align="right">
<font size="2">$4,678,546</font>
</p>
</td>
<td height="12" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="12" valign="bottom" width="3%">
<p>
</p>
</td>
</tr>
</table><br/><p align="justify">
<b><i><font size="2">Assets Recorded at Fair Value on a
Nonrecurring Basis</font></i></b>
</p><br/><p align="justify">
<font size="2">Assets measured at fair value on a
nonrecurring basis, are summarized in the following
table:</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="698">
<tr>
<td height="17" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="7" height="17" valign="bottom" width="60%">
<font size="2"></font>
<p align="center">
<font size="2">June 30, 2011</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="5" height="17" valign="bottom" width="41%">
<font size="2"></font>
<p align="center">
<font size="2">Fair Value Measurements Using</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<u><font size="2"></font></u>
<p>
<u><font size="2">Description</font></u>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 1</font></u>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 2</font></u>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 3</font></u>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Fair Value</font></u>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Loans held for sale</font>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$272,340</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$272,340</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Other real estate owned</font>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">999,134</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">999,134</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Impaired loans</font>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">10,995,693</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">10,995,693</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="40%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total Assets</font></b>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$12,267,167</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$12,267,167</font>
</p>
</td>
</tr>
<tr>
<td height="8" valign="bottom" width="40%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="17%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="8" valign="bottom" width="17%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="7" height="17" valign="bottom" width="60%">
<font size="2"></font>
<p align="center">
<font size="2">December 31, 2010</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="5" height="17" valign="bottom" width="41%">
<font size="2"></font>
<p align="center">
<font size="2">Fair Value Measurements Using</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<p>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<u><font size="2"></font></u>
<p>
<u><font size="2">Description</font></u>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 1</font></u>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 2</font></u>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Level 3</font></u>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<u><font size="2"></font></u>
<p align="center">
<u><font size="2">Fair Value</font></u>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Loans held for sale</font>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$3,715,671</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$3,715,671</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Other real estate owned</font>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">863,941</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">863,941</font>
</p>
</td>
</tr>
<tr>
<td height="17" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Impaired loans</font>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">11,342,589</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">0</font>
</p>
</td>
<td height="17" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="17" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">11,342,589</font>
</p>
</td>
</tr>
<tr>
<td height="18" valign="bottom" width="40%">
<b><font size="2"></font></b>
<p>
<b><font size="2">Total Assets</font></b>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$15,922,201</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="10%">
<font size="2"></font>
<p align="right">
<font size="2">$0</font>
</p>
</td>
<td height="18" valign="bottom" width="2%">
<p>
</p>
</td>
<td height="18" valign="bottom" width="17%">
<font size="2"></font>
<p align="right">
<font size="2">$15,922,201</font>
</p>
</td>
</tr>
</table><br/><p align="justify">
<font size="2">The table below summarizes fair value of
financial assets and liabilities at June 30, 2011 and
December 31, 2010.</font>
</p><br/><table border="1" cellpadding="7" cellspacing="1" dir="ltr" width="624">
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td colspan="3" height="20" valign="bottom" width="29%">
<font size="2"></font>
<p align="center">
<font size="2">June 30, 2011</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td colspan="3" height="20" valign="bottom" width="29%">
<font size="2"></font>
<p align="center">
<font size="2">December 31, 2010</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Carrying</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Carrying</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Fair</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<p>
</p>
</td>
<td height="20" valign="top" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Amount</font>
</p>
</td>
<td height="20" valign="top" width="3%">
<p>
</p>
</td>
<td height="20" valign="top" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
<td height="20" valign="top" width="3%">
<p>
</p>
</td>
<td height="20" valign="top" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Amount</font>
</p>
</td>
<td height="20" valign="top" width="3%">
<p>
</p>
</td>
<td height="20" valign="top" width="13%">
<font size="2"></font>
<p align="center">
<font size="2">Value</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<i><font size="2"></font></i>
<p>
<i><font size="2">(In thousands)</font></i>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">Financial Assets</font></i></b>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Cash and federal funds sold</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$28,119</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$28,119</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$35,239</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$35,239</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Investment securities</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">68,547</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">68,547</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">63,050</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">63,050</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Loans, net of allowance for credit
losses</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">287,467</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">288,115</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">292,491</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">294,838</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Loans held for sale</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">272</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">272</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">3,716</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">3,716</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Bank owned life insurance</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">6,948</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">6,948</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">6,818</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">6,818</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Other investments, at cost</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,642</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,642</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,609</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">4,609</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="middle" width="40%">
<font size="2"></font>
<p>
<font size="2">TOTAL</font>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$395,995</font>
</p>
</td>
<td height="20" valign="middle" width="3%">
<p>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$396,643</font>
</p>
</td>
<td height="20" valign="middle" width="3%">
<p>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$405,923</font>
</p>
</td>
<td height="20" valign="middle" width="3%">
<p>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$408,270</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<b><i><font size="2"></font></i></b>
<p>
<b><i><font size="2">Financial
Liabilities</font></i></b>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<p>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Deposits</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$310,210</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$308,280</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$320,499</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$321,441</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="bottom" width="40%">
<font size="2"></font>
<p>
<font size="2">Borrowings</font>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">42,609</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">45,194</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">43,588</font>
</p>
</td>
<td height="20" valign="bottom" width="3%">
<p>
</p>
</td>
<td height="20" valign="bottom" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">44,605</font>
</p>
</td>
</tr>
<tr>
<td height="20" valign="middle" width="40%">
<font size="2"></font>
<p>
<font size="2">TOTAL</font>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$352,819</font>
</p>
</td>
<td height="20" valign="middle" width="3%">
<p>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$353,474</font>
</p>
</td>
<td height="20" valign="middle" width="3%">
<p>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$364,087</font>
</p>
</td>
<td height="20" valign="middle" width="3%">
<p>
</p>
</td>
<td height="20" valign="middle" width="13%">
<font size="2"></font>
<p align="right">
<font size="2">$366,046</font>
</p>
</td>
</tr>
</table><br/>