0000944792
2012-01-01
2012-09-30
0000944792
2012-11-06
0000944792
us-gaap:CommonClassBMember
2012-11-06
0000944792
2012-09-30
0000944792
2011-12-31
0000944792
us-gaap:SeriesAPreferredStockMember
2012-09-30
0000944792
us-gaap:CommonStockMember
2012-09-30
0000944792
us-gaap:CommonClassBMember
2012-09-30
0000944792
us-gaap:SeriesAPreferredStockMember
2011-12-31
0000944792
us-gaap:CommonStockMember
2011-12-31
0000944792
us-gaap:CommonClassBMember
2011-12-31
0000944792
2012-07-01
2012-09-30
0000944792
2011-07-01
2011-09-30
0000944792
2011-01-01
2011-09-30
0000944792
2010-12-31
0000944792
2011-09-30
0000944792
us-gaap:USGovernmentAgenciesDebtSecuritiesMember
2012-09-30
0000944792
us-gaap:MoneyMarketFundsMember
2012-09-30
0000944792
us-gaap:USGovernmentAgenciesDebtSecuritiesMember
2011-12-31
0000944792
us-gaap:MoneyMarketFundsMember
2011-12-31
0000944792
us-gaap:CommercialPortfolioSegmentMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-01-01
2012-09-30
0000944792
upoh:ConsumerRealEstateMember
2012-01-01
2012-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
upoh:ConsumerRealEstateMember
2012-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
upoh:ConsumerRealEstateMember
2011-12-31
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:CommercialPortfolioSegmentMember
2010-12-31
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2010-12-31
0000944792
upoh:ConsumerRealEstateMember
2010-12-31
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2010-12-31
0000944792
us-gaap:CommercialPortfolioSegmentMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-01-01
2011-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2011-01-01
2011-09-30
0000944792
upoh:ConsumerRealEstateMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-09-30
0000944792
upoh:ConsumerRealEstateMember
2011-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-07-01
2012-09-30
0000944792
upoh:ConsumerRealEstateMember
2012-07-01
2012-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2012-07-01
2012-09-30
0000944792
2012-06-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2012-06-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-06-30
0000944792
upoh:ConsumerRealEstateMember
2012-06-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2012-06-30
0000944792
2011-06-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2011-06-30
0000944792
upoh:ConsumerRealEstateMember
2011-06-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-06-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2011-06-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
2011-07-01
2011-09-30
0000944792
upoh:ConsumerRealEstateMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-07-01
2011-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
upoh:ConsumerRealEstateMember
upoh:HomeEquityLoansMember
2012-09-30
0000944792
upoh:ConsumerRealEstateMember
us-gaap:HomeEquityMember
2012-09-30
0000944792
upoh:ConsumerRealEstateMember
upoh:FamilyResidentialMortgageMember
2012-09-30
0000944792
upoh:TotalRealEstateMember
2012-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
upoh:ConsumerInstallmentMember
2012-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
upoh:StudentLoansMember
2012-09-30
0000944792
us-gaap:ConsumerPortfolioSegmentMember
us-gaap:ConsumerOtherFinancingReceivableMember
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
upoh:ConsumerRealEstateMember
upoh:HomeEquityLoansMember
2011-12-31
0000944792
upoh:ConsumerRealEstateMember
us-gaap:HomeEquityMember
2011-12-31
0000944792
upoh:ConsumerRealEstateMember
upoh:FamilyResidentialMortgageMember
2011-12-31
0000944792
upoh:TotalRealEstateMember
2011-12-31
0000944792
us-gaap:ConsumerPortfolioSegmentMember
upoh:ConsumerInstallmentMember
2011-12-31
0000944792
us-gaap:ConsumerPortfolioSegmentMember
us-gaap:ConsumerOtherFinancingReceivableMember
2011-12-31
0000944792
us-gaap:ConsumerPortfolioSegmentMember
upoh:StudentLoansMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
us-gaap:PassMember
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
upoh:SatisfactoryMember
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
us-gaap:SpecialMentionMember
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
us-gaap:SubstandardMember
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
us-gaap:DoubtfulMember
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
upoh:TotalCommercialLoansMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:HomeEquityLoansMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:HomeEquityLoansMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
us-gaap:HomeEquityMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
us-gaap:HomeEquityMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:FamilyResidentialMortgageMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:FamilyResidentialMortgageMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:ConsumerInstallmentMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:ConsumerInstallmentMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:StudentLoansMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:StudentLoansMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
us-gaap:ConsumerOtherFinancingReceivableMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
us-gaap:ConsumerOtherFinancingReceivableMember
2012-09-30
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:TotalConsumerLoansMember
us-gaap:ConsumerOtherFinancingReceivableMember
2012-09-30
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:TotalConsumerLoansMember
us-gaap:ConsumerOtherFinancingReceivableMember
2012-09-30
0000944792
upoh:TotalConsumerLoansMember
us-gaap:ConsumerOtherFinancingReceivableMember
2012-09-30
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialPortfolioSegmentMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
us-gaap:CommercialRealEstateConstructionFinancingReceivableMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
us-gaap:PassMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
upoh:SatisfactoryMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
us-gaap:SubstandardMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
us-gaap:CommercialRealEstatePortfolioSegmentMember
2011-12-31
0000944792
upoh:GoodOrExcellentMember
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
upoh:SatisfactoryMember
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
us-gaap:SpecialMentionMember
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
us-gaap:PassMember
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
us-gaap:SubstandardMember
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
us-gaap:DoubtfulMember
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
upoh:TotalCommercialLoansMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:HomeEquityLoansMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:HomeEquityLoansMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
us-gaap:HomeEquityMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
us-gaap:HomeEquityMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:FamilyResidentialMortgageMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
upoh:FamilyResidentialMortgageMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:ConsumerRealEstateMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:ConsumerInstallmentMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:ConsumerInstallmentMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:StudentLoansMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
upoh:StudentLoansMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
us-gaap:ConsumerOtherFinancingReceivableMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
us-gaap:ConsumerPortfolioSegmentMember
us-gaap:ConsumerOtherFinancingReceivableMember
2011-12-31
0000944792
us-gaap:PerformingFinancingReceivableMember
upoh:TotalConsumerLoansMember
2011-12-31
0000944792
upoh:TotalConsumerLoansMember
2011-12-31
0000944792
us-gaap:NonperformingFinancingReceivableMember
upoh:TotalConsumerLoansMember
2011-12-31
0000944792
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-01-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-01-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2012-07-01
2012-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
us-gaap:CommercialRealEstateOtherReceivableMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:SbaLoansMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialPortfolioSegmentMember
upoh:AssetBasedLoansMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:CommercialMortgagesMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:ReligiousOrganizationsMember
2011-07-01
2011-09-30
0000944792
us-gaap:CommercialRealEstatePortfolioSegmentMember
upoh:SbaLoansMember
2011-07-01
2011-09-30
0000944792
2011-01-01
2011-12-31
0000944792
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:MoneyMarketFundsMember
2012-09-30
0000944792
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsRecurringMember
2012-09-30
0000944792
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:MoneyMarketFundsMember
2012-09-30
0000944792
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsRecurringMember
2012-09-30
0000944792
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:MoneyMarketFundsMember
2012-09-30
0000944792
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsRecurringMember
2012-09-30
0000944792
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:MoneyMarketFundsMember
2011-12-31
0000944792
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsRecurringMember
2011-12-31
0000944792
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:MoneyMarketFundsMember
2011-12-31
0000944792
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsRecurringMember
2011-12-31
0000944792
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsRecurringMember
2011-12-31
0000944792
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsRecurringMember
us-gaap:MoneyMarketFundsMember
2011-12-31
0000944792
upoh:ImpairedLoansMember
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
upoh:OtherRealEstateOwnedMember
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
upoh:ImpairedLoansMember
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
upoh:OtherRealEstateOwnedMember
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
upoh:ImpairedLoansMember
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
upoh:OtherRealEstateOwnedMember
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
upoh:ImpairedLoansMember
2012-01-01
2012-09-30
0000944792
upoh:OtherRealEstateOwnedMember
2012-01-01
2012-09-30
0000944792
upoh:ImpairedLoansMember
2012-09-30
0000944792
upoh:OtherRealEstateOwnedMember
2012-09-30
0000944792
upoh:ImpairedLoansMember
2011-12-31
0000944792
upoh:OtherRealEstateOwnedMember
2011-12-31
0000944792
upoh:OtherRealEstateOwnedMember
2011-01-01
2011-12-31
0000944792
upoh:ImpairedLoansMember
2011-01-01
2011-12-31
0000944792
upoh:ImpairedLoansMember
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsNonrecurringMember
2011-12-31
0000944792
upoh:OtherRealEstateOwnedMember
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsNonrecurringMember
2011-12-31
0000944792
upoh:ImpairedLoansMember
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsNonrecurringMember
2011-12-31
0000944792
upoh:OtherRealEstateOwnedMember
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsNonrecurringMember
2011-12-31
0000944792
upoh:ImpairedLoansMember
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsNonrecurringMember
2011-12-31
0000944792
upoh:OtherRealEstateOwnedMember
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsNonrecurringMember
2011-12-31
0000944792
us-gaap:CarryingReportedAmountFairValueDisclosureMember
2012-09-30
0000944792
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2012-09-30
0000944792
us-gaap:CarryingReportedAmountFairValueDisclosureMember
2011-12-31
0000944792
us-gaap:EstimateOfFairValueFairValueDisclosureMember
2011-12-31
0000944792
us-gaap:MaximumMember
2012-01-01
2012-09-30
0000944792
us-gaap:AssetsHeldForSaleMember
2012-09-30
0000944792
us-gaap:AssetsHeldForSaleMember
2012-01-01
2012-09-30
0000944792
us-gaap:AssetsHeldForSaleMember
us-gaap:FairValueInputsLevel3Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
us-gaap:AssetsHeldForSaleMember
us-gaap:FairValueInputsLevel1Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
0000944792
us-gaap:AssetsHeldForSaleMember
us-gaap:FairValueInputsLevel2Member
us-gaap:FairValueMeasurementsNonrecurringMember
2012-09-30
iso4217:USD
xbrli:shares
iso4217:USD
xbrli:shares
xbrli:pure
UNITED BANCSHARES INC /PA
10-Q
2012-09-30
false
0000944792
--12-31
Smaller Reporting Company
2012
Q3
1068588
191667
2469242
2778924
305919
305405
8928000
11413000
11703161
14497329
1087754
1280874
12398742
17209295
40673453
41502205
868811
867019
39804642
40635186
988170
325189
342029
1177092
1284390
193954
313811
388233
465838
67931196
77016922
15447155
16426916
16886633
14167210
14688985
7428258
7768057
9752863
17583743
63222402
71300458
14373040
26537
58361
304530
397187
63553469
71756006
14749852
14749852
-10421772
-9539831
37593
38841
4377727
5260916
67931196
77016922
1368
1368
13073977
17738368
0.06
0.01
500000
136842
136842
0.06
0.01
500000
136842
136842
2000000
0.01
876921
876921
250000
0.01
191667
191667
0.01
0.01
2000000
250000
876921
191667
876921
191667
666685
1974564
97097
157717
349568
467805
3847
6164
12777
13479
176
175
524
521
767805
818629
2349396
2456369
654573
1986527
18110
37208
66242
115751
11612
20184
36738
57641
1760
2680
5317
9571
31482
60072
108297
182963
736323
758557
2241099
2273406
61000
30000
121000
100000
675323
728557
2120099
2173406
103435
93319
296326
286654
77545
88535
238316
265314
80000
80000
-5968
-5968
111291
69163
69163
15610
16930
55167
68556
259785
198784
733004
811815
385971
417229
1192480
1262393
261700
273563
802297
821232
81453
76585
231576
229167
5186
14323
28675
72748
104666
56405
256198
199187
114602
117964
352603
368394
127050
153298
3879
49451
34642
142429
137485
43085
40892
70509
125122
169180
176792
504979
523421
1342344
1208395
3735044
3743028
-407236
-281054
-881941
-757807
-407236
-281054
-881941
-757807
-0.38
-0.26
-0.83
-0.71
1065588
1065588
1065588
1065588
-884
-4050
-1248
-5529
-408120
-285104
-883189
-763336
90818
43250
133559
133559
167930
188113
153298
1306
80745
146762
-124481
-94262
-322267
-350368
4860337
9912036
264403
188107
251656
9583837
7643619
22832
844238
637621
-66285
-3140354
32190
88161
5606155
1615267
-8078056
4907474
-8078056
4907474
-2794168
6172373
140121
233531
74800
602100
14497329
11703161
8696111
14868484
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">1. Significant Accounting Policies</font></i></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">United Bancshares, Inc. (the "Company") is a bank holding company registered under the Bank Holding Company Act of 1956. The Company's principal activity is the ownership and management of its wholly owned subsidiary, United Bank of Philadelphia (the "Bank").</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During interim periods, the Company follows the accounting policies set forth in its Annual Report on Form 10-K filed with the Securities and Exchange Commission. Readers are encouraged to refer to the Company's Form 10-K for the fiscal year ended December 31, 2011 when reviewing this Form 10-Q. Quarterly results reported herein are not necessarily indicative of results to be expected for other quarters.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of normal recurring adjustments) considered necessary to present fairly the Company's consolidated financial position as of September 30, 2012 and December 31, 2011 and the consolidated results of its operations and its cash flows for the three and nine months ended September 30, 2012 and 2011.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Management’s Use of Estimates</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The preparation of the financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Material estimates which are particularly susceptible to significant change in the near term relate to the fair value of investment securities, the determination of the allowance for loan losses, valuation allowance for deferred tax assets and consideration of impairment of other intangible assets.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Commitments</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In the general course of business, there are various outstanding commitments to extend credit, such as letters of credit and un-advanced loan commitments, which are not reflected in the accompanying financial statements. Management does not anticipate any material losses as a result of these commitments.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Contingencies</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Company is from time to time a party to routine litigation in the normal course of its business. Management does not believe that the resolution of this litigation will have a material adverse effect on the financial condition or results of operations of the Company. However, the ultimate outcome of any such litigation, as with litigation generally, is inherently uncertain and it is possible that some litigation matters may be resolved adversely to the Company.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets Held For Sale</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets are classified as held for sale if their carrying amount will be recovered principally through a sale transaction rather than through continuing use. This condition is regarded as met only when the sale is highly probable and the asset is available for immediate sale in its present condition. Management must be committed to the sale, which should be expected to qualify for recognition as a completed sale within one year from the date of classification. Assets classified as held for sale are measured at the lower of their previous carrying amount and fair value less costs to sell.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Allowance for Loan Losses</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses. Loans that are determined to be uncollectible are charged against the allowance account, and subsequent recoveries, if any, are credited to the allowance. When evaluating the adequacy of the allowance, an assessment of the loan portfolio will typically include changes in the composition and volume of the loan portfolio, overall portfolio quality and past loss experience, review of specific problem loans, current economic conditions which may affect borrowers’ ability to repay, and other factors which may warrant current recognition. Such periodic assessments may, in management’s judgment, require the Bank to recognize additions or reductions to the allowance.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Various regulatory agencies periodically review the adequacy of the Bank’s allowance for loan losses as an integral part of their examination process. Such agencies may require the Bank to recognize additions or reductions to the allowance based on their evaluation of information available to them at the time of their examination. It is reasonably possible that the above factors may change significantly and, therefore, affects management’s determination of the allowance for loan losses in the near term.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The allowance consists of specific and general components. The specific component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience, other qualitative factors, and adjustments made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. The Bank does not allocate reserves for unfunded commitments to fund lines of credit.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Bank will identify and assess loans that may be impaired through any of the following processes:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="100%">
<tr style="mso-yfti-firstrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During regularly scheduled meetings of the Asset Quality Committee</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During regular reviews of the delinquency report</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";display:none;mso-hide:all;mso-fareast-language: EN-IN"> </font></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="100%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During the course of routine account servicing, annual review, or credit file update</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Upon receipt of verifiable evidence of a material reduction in the value of collateral to a level that creates a less than desirable LTV ratio</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Impairment is measured on a loan by loan basis for commercial loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Large groups of smaller, homogeneous loans, including consumer installment and home equity loans, 1-4 family residential mortgages, and student loans are evaluated collectively for impairment. Accordingly, the Bank does not separately identify individual consumer and residential loans for impairment disclosures.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></i></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Non-accrual and Past Due Loans.</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Loans are considered past due if the required principal and interest payments have not been received 30 days as of the date such payments were due. The Bank generally places a loan on non-accrual status when interest or principal is past due 90 days or more. If it otherwise appears doubtful that the loan will be repaid, management may place the loan on nonaccrual status before the lapse of 90 days. Interest on loans past due 90 days or more ceases to accrue except for loans that are well collateralized and in the process of collection. When a loan is placed on nonaccrual status, previously accrued and unpaid interest is reversed out of income. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Income Taxes</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Under the liability method, deferred tax assets and liabilities are determined based on the difference between the financial statement and tax basis of assets and liabilities. Deferred tax assets are subject to management’s judgment based upon available evidence that future realization is more likely than not. For financial reporting purposes, a valuation allowance of 100% of the net deferred tax asset has been recognized to offset the net deferred tax assets related to cumulative temporary differences and tax loss carryforwards. If management determines that the Company may be able to realize all or part of the deferred tax asset in the future, an income tax benefit may be required to increase the recorded value of the net deferred tax asset to the expected realizable amount.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that ultimately would be sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more-likely-than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. The evaluation of a tax position taken is considered by itself and not offset or aggregated with other positions. Tax positions that meet the more-likely-than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">2. Net Loss Per Share</font></i></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The calculation of net loss income per share follows:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="width:18.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="18%"/>
<td style="width:18.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Three Months Ended September 30, 2012</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:16.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Three Months Ended September 30, 2011</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:16.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Nine Months Ended September 30, 2012</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:16.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Nine Months Ended September 30, 2011</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td></tr>
<tr>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Basic:</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/></tr>
<tr>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net loss available to common shareholders</font></p></td>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(407,236)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(281,056)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(881,941)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(757,804)</font></p></td></tr>
<tr>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Average common shares outstanding-basic</font></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td></tr>
<tr>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net loss per share-basic</font></p></td>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.38)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.26)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.83)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.71)</font></p></td></tr>
<tr>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Diluted:</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/></tr>
<tr>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Average common shares-diluted</font></p></td>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net loss per share-diluted</font></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.38)</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.26)</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.83)</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.71)</font></p></td></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The preferred stock is non cumulative and the Company is restricted from paying dividends. Therefore, no effect of the preferred stock is included in the loss per share calculations.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">3.New Authoritative Accounting Guidance</font></i></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In May 2011, the FASB issued Accounting Standards Update (ASU) No. 2011-04, <i>Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs</i>. This ASU represents the converged guidance of the FASB and the International Accounting Standards Board (the “Boards”) on fair value measurement. The collective efforts of the Boards and their staffs, reflected in ASU 2011-04, have resulted in common requirements for measuring fair value and for disclosing information about fair value measurements, including a consistent meaning of the term “fair value.” The Boards have concluded the common requirements will result in greater comparability of fair value measurements presented and disclosed in financial statements prepared in accordance with U.S. GAAP and International Financial Reporting Standards. The amendments to the Codification in ASU 2011-04 are to be applied prospectively. For public entities, the amendments are effective during interim and annual periods beginning after December 15, 2011. The Company adopted ASU No. 2011-04 as of March 31, 2012 as reflected in Note 7.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In June 2011, the FASB issued Accounting Standards Update (ASU) No. 2011-05, <i>Comprehensive Income (Topic 220): Presentation of Comprehensive Income</i>. This ASU amends the Codification to 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. ASU 2011-05 eliminates the option to present the components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments to the Codification in ASU 2011-05 do not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. ASU 2011-05 should be applied retrospectively. For public entities, the amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. The Company adopted ASU 2011-05 during the quarter ended March 31, 2012 and presents comprehensive loss in a a separate statement.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In December 2011, the FASB issued an update (“ASU” No. 2011-12, <i>Presentation of Comprehensive Income: Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05</i>) which under ASU 2011-05 defers the effective date pertaining to reclassification adjustments out of other accumulated other comprehensive income (AOCI). Concerns were raised that reclassifications of items out of AOCI would be costly for preparers and may add unnecessary complexity to financial statements. All other requirements in ASU 2011-05 are not affected by this Update. This amendment is effective for interim and annual periods beginning after December 15, 2011. </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In December 2011, the FASB issued Accounting Standards Update ASU 2011-11: <i>Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities. </i>The amendments in this Update require an entity to disclose information about offsetting and related arrangements to enable users of its financial statements to understand the effect of those arrangements on its financial position. This Update affects all entities that have financial instruments and derivative instruments that are either (1) offset in accordance with either Section 210-20-45 or Section 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement. The requirements amend the disclosure requirements on offsetting in Section 210-20-50. This information is intended to enable users of an entity’s financial statements to evaluate the effect or potential effect of netting arrangements on an entity’s financial position, including the effect or potential effect of rights of setoff associated with certain financial instruments and derivative instruments in the scope of this Update. The amendments are effective for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented. The Company is evaluating the impact of ASU 2011-11 on its consolidated financial statements.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">6. Other Real Estate Owned</font></i></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Period-end other real estate owned was as follows:</font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000's)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Nine Months Ended</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Nine Months Ended</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">September 30, 2012</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">December 31, 2011</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Beginning balance</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,284</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,417</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Additions, transfers from loans</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">75</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">602</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Sale of other real estate (book value)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(28</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(734</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="76%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,331</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,285</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Less: write-downs</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(154</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:76.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Ending Balance</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,177</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,284</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr></table></div>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">7. Fair Value</font></i></b></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Fair Value Measurement</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the Fair Value Measurements and Disclosures topic of ASC 820, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The fair value guidance in FASB ASC 820 provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. In accordance with this guidance, the Company groups its assets and liabilities carried at fair value in three levels as follows:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">      Level 1</font></i><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="100%">
<tr style="mso-yfti-firstrow:yes;mso-yfti-lastrow:yes">
<td style="width:53.25pt;padding:0cm 0cm 0cm 0cm" valign="top" width="71">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1120.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="1494">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">     Level 2</font></i><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="100%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:53.25pt;padding:0cm 0cm 0cm 0cm" valign="top" width="71">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1120.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="1494">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Quoted prices for similar assets or liabilities in active markets.</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:52.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="70">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1121.25pt;padding:0cm 0cm 0cm 0cm" valign="top" width="1495">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Quoted prices for identical or similar assets or liabilities in markets that are not active.</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";display:none;mso-hide:all;mso-fareast-language: EN-IN"> </font></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="100%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes;mso-yfti-lastrow:yes">
<td style="width:52.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="70">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1121.25pt;padding:0cm 0cm 0cm 0cm" valign="top" width="1495">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Inputs other than quoted prices that are observable, either directly or indirectly, for the term of the asset or liability (e.g., interest rates, yield curves, credit risks, prepayment speeds or volatilities) or “market corroborated inputs.”</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">      Level 3</font></i><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="100%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:54.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="72">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Prices or valuation techniques that require inputs that are both unobservable (i.e., supported by little or no market activity) and that are significant to the fair value of the assets or liabilities.</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:54.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="72">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">These assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A financial instrument’s categorization within the valuation hierarchy is based on the lowest level of input that is significant to the fair value measurement.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></b></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Fair Value on a Recurring Basis</font></b><font style="font-size:10.0pt;font-family: "Times New Roman","serif";mso-fareast-font-family:"Times New Roman";mso-fareast-language: EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Securities Available for Sale (“AFS”)</font></i><font style="font-size:10.0pt;font-family: "Times New Roman","serif";mso-fareast-font-family:"Times New Roman";mso-fareast-language: EN-IN">: Where quoted prices are available in an active market, securities would be classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government bonds and mutual funds. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow models. Level 2 securities include U.S. agency securities and mortgage backed agency securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets on the consolidated balance sheets measured at fair value on a recurring basis are summarized below.</font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="10" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair Value Measurements at Reporting Date Using:</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Assets Measured at Fair Value at September 30, 2012</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Quoted Prices in Active Markets for Identical Assets (Level 1)</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Other Observable Inputs (Level 2)</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Unobservable Inputs (Level 3)</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Investment securities available-for-sale:</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">959</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">959</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Money Market Funds</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:52.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Total</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,088</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">959</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr></table></div>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt;font-family: "Times New Roman","serif";mso-fareast-font-family:"Times New Roman";mso-fareast-language: EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="10" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair Value Measurements at Reporting Date Using:</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Assets/Liabilities Measured at Fair Value at</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">December 31, 2011</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Quoted Prices in Active Markets for Identical Assets (Level 1)</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Other Observable Inputs (Level 2)</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Unobservable Inputs (Level 3)</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Investment securities available-for-sale:</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,152</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,152</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Money Market Funds</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:52.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Total</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,281</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,152</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The fair value of the Bank’s AFS securities portfolio was approximately $1,088,000 and $1,281,000 at September 30, 2012 and December 31, 2011, respectively. Approximately 88% of the portfolio consisted of residential mortgage-backed securities, which had a fair value of $959,000 at September 30, 2012. All the residential mortgage-backed securities were issued or guaranteed by the Government National Mortgage Association (“GNMA”), the Federal National Mortgage Association (“FNMA”) or the Federal Home Loan Mortgage Corporation (“FHLMC”). The underlying loans for these securities are residential mortgages that are geographically dispersed throughout the United States. The majority of the AFS securities were classified as level 2 assets at September 30, 2012. The valuation of AFS securities using Level 2 inputs was primarily determined using the market approach, which uses quoted prices for similar instruments and all relevant information. There were no transfers between Level 1 and Level 2 assets during the period ended September 30, 2012 and year ended December 31, 2011.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Fair Value on a Nonrecurring Basis</font></b></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Certain assets are not measured at fair value on a recurring basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following table presents the assets carried on the balance sheet of condition by level within the hierarchy as of September 30, 2012 and December 31, 2011, for which a nonrecurring change in fair value has been recorded during the nine months ended September 30, 2012 and year ended December 31, 2011.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:40.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Quoted Prices in Active markets for Identical Assets</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(Level 1)</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Significant Other Observable Inputs</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(Level 2)</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Unobservable Inputs</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(Level 3)</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total fair value gain (loss) during 9 months ended</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">September 30, 2012</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Impaired loans</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">100 </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">- </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">- </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">100 </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(195</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Other real estate owned (“OREO”)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,177</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,177</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(139</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets held for sale<font style="letter-spacing:9.0pt"> </font></font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">357</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">800</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">443</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr></table></div>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt;font-family: "Times New Roman","serif";mso-fareast-font-family:"Times New Roman";display: none;mso-hide:all;mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:40.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Carrying Value at December 31, 2011:</font></p></td>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%"/>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%"/>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%"/>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%"/>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%"/>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Quoted Prices in Active markets for Identical Assets</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(Level 1)</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Other Observable Inputs</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(Level 2)</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Significant Unobservable Inputs</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(Level 3)</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:10.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="10%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total fair value gain (loss) during 12 months ended</font></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">December 31, 2010</font></p></td>
<td nowrap="nowrap" style="width:1.0%;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Impaired Loans</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">206 </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">- </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">- </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">206 </font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(308</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Other real estate owned (“OREO”)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,284</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,284</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The measured impairment for collateral dependent of impaired loans is determined by the fair value of the collateral less estimated liquidation costs. Collateral values for loans and OREO are determined by annual or more frequent appraisals if warranted by volatile market conditions, which may be discounted up to 10% based upon management’s review and the estimated cost of liquidation. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made on the appraisal process by the appraisers for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. The valuation allowance for impaired loans is adjusted as necessary based on changes in the value of collateral as well as the cost of liquidation. It is included in the allowance for loan losses in the consolidated statements of condition. The valuation allowance for impaired loans at September 30, 2012 was approximately $503,000. The valuation allowance for impaired loans at December 31, 2011 was approximately $308,000.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Fair Value of Financial Instruments</font></b></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">FASB ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis. </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Cash and cash equivalents: The carrying amounts reported in the statement of condition for cash and cash equivalents approximate those assets’ fair values.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Investment securities: Fair values for investment securities available-for-sale are as described above. Investment securities held-to-maturity are based on quoted market prices, where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Loans: The fair value of loans was estimated using a discounted cash flow analysis, which considered estimated pre­payments, amortizations, and non performance risk. Prepayments and discount rates were based on current marketplace estimates and pricing. Residential mortgage loans were discounted at the current effective yield, including fees, of conventional loans, adjusted for their maturities with a spread to the Treasury yield curve. The fair value for nonperforming/impaired loans is determined by using discounted cashflow analysis or underlying collateral values, where applicable.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets held for sale: The fair value is determined by using a current appraisal.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Accrued interest receivable: The carrying amount of accrued interest receivable approximates fair value.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Deposit liabilities: The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings, and certain types of money market accounts) are equal to the amounts payable on demand at the reporting date (e.g., their carrying amounts). The carrying amounts for variable-rate, fixed-term money market accounts and certificates of deposit approximate the fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation. The Treasury yield curve was utilized for discounting cash flows as it approximates the average marketplace certificate of deposit rates across the relevant maturity spectrum.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Accrued interest payable: The carrying amounts of accrued interest payable approximate fair value.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Commitments to extend credit: The carrying amounts for commitments to extend credit approximate fair value as such commitments are not substantially different from the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparts. The carrying amount of accrued interest payable approximates fair market value.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The fair value of assets and liabilities are depicted below:</font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="6" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><u><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">September 30, 2012</font></u><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="7" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><u><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">December 31, 2011</font></u><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level in</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Carrying</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Carrying</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value Hierarchy</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Amount</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Amount</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(Dollars in thousands)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets:</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Cash and cash equivalents</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 1</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">11,703</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">11,703</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14,497</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14,497</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Available for sale securities</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,088</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,088</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,281</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,281</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Held to maturity securities</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 2</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">12,399</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">13,074</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">17,209</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">17,738</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Loans, net of allowance for loan losses</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">39,805</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">40,262</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">40,635</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">40,552</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Assets held for sale</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td colspan="2" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 3</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">357</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">800</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Accrued interest receivable</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 2</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">325</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">325</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">342</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">342</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Liabilities:</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Demand deposits</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 2</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">31,874</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">31,874</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">31,260</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">31,260</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Savings deposits</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 2</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14,167</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14,167</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14,689</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14,689</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Time deposits</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 2</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">17,181</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">17,544</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">25,352</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">25,401</font></p></td>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Accrued interest payable</font></p></td>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Level 2</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">27</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">27</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">58</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">58</font></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(1) Level 1 for money market funds; Level 2 for all other securities.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(2) Level 2 for non-impaired loans; Level 3 for impaired loans.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">8. Regulatory</font></i></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">On January 31, 2012, the Bank entered into stipulations consenting to the issuance of Consent Orders with the Federal Deposit Insurance Corporation (“FDIC”) and the Pennsylvania Department of Banking (“Department”). The material terms of the Consent Orders are identical. The requirements and status of items included in the Consent Orders are as follows:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="width:54.8%;border-top:solid black 1.0pt; border-left:solid black 1.0pt;border-bottom:solid black 1.5pt;border-right: none;mso-border-top-alt:solid black .75pt;mso-border-left-alt:solid black .75pt;padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Requirement</font></b><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td style="width:45.2%;border:solid black 1.0pt; border-bottom:solid black 1.5pt;mso-border-alt:solid black .75pt;mso-border-bottom-alt: solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Status</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Increase participation of the Bank’s board of directors in the Bank’s affairs by having the board assume full responsibility for approving the Bank’s policies and objectives and for supervising the Bank’s management;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Board participation has been improved with attendance at board and committee meetings.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Have and retain qualified management, and notify the FDIC and the Department of any changes in the Bank’s board of directors or senior executive officers;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A management assessment was completed in June 2012 in conjunction with the required management review and written management plan with benchmarks for recommended enhancements.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Retain a bank consultant acceptable to the FDIC and the Department to develop a written analysis and assessment of the Bank’s management needs and thereafter formulate a written management plan;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">An engagement letter from a qualified consultant was received and approved by the Bank’s regulators. Upon acceptance, the review commenced in May 2012 and was completed in June 2012.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Formulate and implement written profit and budget plans for each year during which the orders are in effect;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A three year profit and budget plan was prepared and submitted to regulators for review together with a revised Strategic Plan in May 2012 following the completion of a regulatory review.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Develop and implement a strategic plan for each year during which the orders are in effect, to be revised annually;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A comprehensive strategic plan was prepared and submitted to regulators for review in May 2012 following the completion of a regulatory review.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Develop a written capital plan detailing the manner in which the Bank will meet and maintain a ratio of Tier 1 capital to total assets (“leverage ratio”) of at least 8.5% and a ratio of qualifying total capital to risk-weighted assets (total risk-based capital ratio) of at least 12.5%, within a reasonable but unspecified time period;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A capital plan with quarterly benchmarks was prepared and submitted to regulators for review together with the Bank’s Strategic Plan in May 2012 following the completion of a regulatory review.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Formulate a written plan to reduce the Bank’s risk positions in each asset or loan in excess of $100,000 classified as “Doubtful” or “Substandard” at its regulatory examination;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A classified asset reduction plan with quarterly benchmarks measured against capital was prepared and submitted in May 2012 following the completion of a regulatory review.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Eliminate all assets classified as “Loss” at its current regulatory examination;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">All assets classified as “Loss” have been eliminated.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Revise the Bank’s loan policy to establish and monitor procedures for adherence to the loan policy and to eliminate credit administration and underwriting deficiencies identified at its current regulatory examination;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Bank’s loan policy has been revised to include enhanced monitoring procedures and submitted to regulators for review in April 2012.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.0pt;border-right:none;mso-border-bottom-alt:solid black .75pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border:solid black 1.0pt; border-top:none;mso-border-left-alt:solid black .75pt;mso-border-bottom-alt: solid black .75pt;mso-border-right-alt:solid black .75pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Develop a comprehensive policy and methodology for determining the allowance for loan and lease losses;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The ALLL policy and methodology for determining the allowance for loan losses were submitted to regulators for review in April 2012.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Develop an interest rate risk policy and procedures to identify, measure, monitor and control the nature and amount of interest rate risk the Bank takes;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Bank’s interest rate risk policy and procedures were submitted to regulators for review in April 2012.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Revise its liquidity and funds management policy and update and review the policy annually;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Bank’s liquidity policy and contingency plan were submitted to regulators for review in April 2012.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Refrain from accepting any brokered deposits;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Bank did not accept brokered deposits.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Refrain from paying cash dividends without prior approval of the FDIC and the Department;</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Bank did not pay cash dividends.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Establish an oversight committee of the board of directors of the Bank with the responsibility to ensure the Bank’s compliance with the orders, and</font></p></td>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">An oversight committee consisting of three outside directors and one inside director was established and meets periodically to ensure compliance with the orders.</font></p></td></tr>
<tr>
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:none;mso-border-bottom-alt:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%"/>
<td style="width:45.2%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.5pt;border-right:solid black 1.0pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:54.8%;border-top:none;border-left: solid black 1.0pt;border-bottom:solid black 1.0pt;border-right:none;mso-border-bottom-alt:solid black .75pt; padding:0cm 0cm 0cm 0cm" valign="top" width="54%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Prepare and submit quarterly reports to the FDIC and the Department detailing the actions taken to secure compliance with the orders.</font></p></td>
<td style="width:45.2%;border:solid black 1.0pt; border-top:none;mso-border-left-alt:solid black .75pt;mso-border-bottom-alt: solid black .75pt;mso-border-right-alt:solid black .75pt;padding:0cm 0cm 0cm 0cm" valign="top" width="45%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Quarterly reports were prepared and submitted in May 2012 and August 2012, as required.</font></p></td></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Orders will remain in effect until modified or terminated by the FDIC and the Department and do not restrict the Bank from transacting its normal banking business. The Bank will continue to serve its customers in all areas including making loans, establishing lines of credit, accepting deposits and processing banking transactions. Customer deposits remain fully insured to the highest limits set by the FDIC. The FDIC and the Department did not impose or recommend any monetary penalties in connection with the Consent Orders.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">As of September 30, 2012 and December 31, 2011, the Bank’s tier one leverage capital ratio was 6.06% and 6.27%, respectively, and its total risk based capital ratio was 11.20% and 12.41%, respectively. Although in excess of “well capitalized” levels, these ratios have declined as a result of losses and are below the levels required by the Orders. Management has developed and submitted a Capital Plan that focuses on curtailing losses to stop the erosion of capital and increase capital from internal strategies, including the following:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="100%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Asset Reduction</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">-- During 2012, the Bank’s deposits declined by more than $8 million. This reduction served to de-leverage the balance sheet while still maintaining adequate levels of liquidity.</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Gain on sale of real estate </font></i><font style="font-size:10.0pt;font-family: "Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-- The Bank owns real estate that it is actively seeking to sell for a gain. An agreement of sale is pending. At a minimum, the gain is projected to be $600,000.</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">As a result of the above actions, management believes that the Bank has and will continue to comply with the terms and conditions of the Orders and will continue to operate as a going concern and an independent financial institution for the foreseeable future.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Management’s Use of Estimates</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The preparation of the financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Material estimates which are particularly susceptible to significant change in the near term relate to the fair value of investment securities, the determination of the allowance for loan losses, valuation allowance for deferred tax assets and consideration of impairment of other intangible assets.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Commitments</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">In the general course of business, there are various outstanding commitments to extend credit, such as letters of credit and un-advanced loan commitments, which are not reflected in the accompanying financial statements. Management does not anticipate any material losses as a result of these commitments.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Contingencies</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The Company is from time to time a party to routine litigation in the normal course of its business. Management does not believe that the resolution of this litigation will have a material adverse effect on the financial condition or results of operations of the Company. However, the ultimate outcome of any such litigation, as with litigation generally, is inherently uncertain and it is possible that some litigation matters may be resolved adversely to the Company.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Allowance for Loan Losses</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses. Loans that are determined to be uncollectible are charged against the allowance account, and subsequent recoveries, if any, are credited to the allowance. When evaluating the adequacy of the allowance, an assessment of the loan portfolio will typically include changes in the composition and volume of the loan portfolio, overall portfolio quality and past loss experience, review of specific problem loans, current economic conditions which may affect borrowers’ ability to repay, and other factors which may warrant current recognition. Such periodic assessments may, in management’s judgment, require the Bank to recognize additions or reductions to the allowance.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Various regulatory agencies periodically review the adequacy of the Bank’s allowance for loan losses as an integral part of their examination process. Such agencies may require the Bank to recognize additions or reductions to the allowance based on their evaluation of information available to them at the time of their examination. It is reasonably possible that the above factors may change significantly and, therefore, affects management’s determination of the allowance for loan losses in the near term.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The allowance consists of specific and general components. The specific component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience, other qualitative factors, and adjustments made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. The Bank does not allocate reserves for unfunded commitments to fund lines of credit.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Bank will identify and assess loans that may be impaired through any of the following processes:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="100%">
<tr style="mso-yfti-firstrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During regularly scheduled meetings of the Asset Quality Committee</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During regular reviews of the delinquency report</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";display:none;mso-hide:all;mso-fareast-language: EN-IN"> </font></p>
<table cellpadding="0" cellspacing="0" border="0" style="width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="100%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">During the course of routine account servicing, annual review, or credit file update</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:36.0pt;padding:0cm 0cm 0cm 0cm" valign="top" width="48">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:Symbol;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: "Times New Roman";mso-fareast-language:EN-IN">· </font><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="top">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Upon receipt of verifiable evidence of a material reduction in the value of collateral to a level that creates a less than desirable LTV ratio</font></p></td></tr></table>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Impairment is measured on a loan by loan basis for commercial loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Large groups of smaller, homogeneous loans, including consumer installment and home equity loans, 1-4 family residential mortgages, and student loans are evaluated collectively for impairment. Accordingly, the Bank does not separately identify individual consumer and residential loans for impairment disclosures.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Non-accrual and Past Due Loans.</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Loans are considered past due if the required principal and interest payments have not been received 30 days as of the date such payments were due. The Bank generally places a loan on non-accrual status when interest or principal is past due 90 days or more. If it otherwise appears doubtful that the loan will be repaid, management may place the loan on nonaccrual status before the lapse of 90 days. Interest on loans past due 90 days or more ceases to accrue except for loans that are well collateralized and in the process of collection. When a loan is placed on nonaccrual status, previously accrued and unpaid interest is reversed out of income. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</font></p>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Income Taxes</font></i><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Under the liability method, deferred tax assets and liabilities are determined based on the difference between the financial statement and tax basis of assets and liabilities. Deferred tax assets are subject to management’s judgment based upon available evidence that future realization is more likely than not. For financial reporting purposes, a valuation allowance of 100% of the net deferred tax asset has been recognized to offset the net deferred tax assets related to cumulative temporary differences and tax loss carryforwards. If management determines that the Company may be able to realize all or part of the deferred tax asset in the future, an income tax benefit may be required to increase the recorded value of the net deferred tax asset to the expected realizable amount.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that ultimately would be sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more-likely-than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. The evaluation of a tax position taken is considered by itself and not offset or aggregated with other positions. Tax positions that meet the more-likely-than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.</font></p>
<!--EndFragment-->
1065588
1065588
1065588
1065588
-0.38
-0.26
-0.83
0.71
1065588
1065588
1065588
1065588
-0.38
-0.26
-0.83
0.71
903000
56000
959000
129000
129000
1032000
56000
1088000
3355000
171000
3526000
9044000
505000
-1000
9548000
12399000
676000
-1000
13074000
1094000
58000
1152000
129000
129000
1223000
58000
1281000
7531000
158000
7689000
9678000
373000
-2000
10049000
17209000
531000
-2000
17738000
903000
903000
959000
959000
250000
3105000
9044000
270000
3256000
9548000
255000
255000
-1000
-1000
255000
255000
-1000
-1000
1018000
1018000
-2000
-2000
1018000
1018000
-2000
-2000
172000
-56000
5000
121000
-56000
-80000
-16000
-152000
8000
14000
11000
33000
-56000
8000
-66000
-5000
-119000
503000
364000
2000
869000
387000
412000
68000
867000
301000
553000
52000
20000
926000
55000
23000
15000
7000
100000
-62000
-148000
-42000
-252000
1000
5000
4000
15000
25000
-61000
-143000
4000
-27000
-227000
799000
71000
433000
295000
63000
-6000
1000
3000
61000
-56000
-43000
-7000
-106000
3000
1000
4000
8000
-98000
-3000
-42000
3000
-56000
496000
367000
43000
906000
280000
432000
55000
767000
15000
15000
30000
-5000
-5000
1000
1000
5000
7000
1000
1000
2000
503000
364000
2000
503000
366000
626000
3267000
3893000
1120000
29019000
30139000
4806000
4806000
1835000
1835000
1746000
38927000
40673000
308000
79000
412000
68000
308000
559000
592000
3138000
3730000
1095000
29102000
30197000
5586000
5586000
1989000
1989000
1687000
39815000
41502000
75000
75000
340000
340000
479000
99000
578000
894000
99000
993000
698000
127000
2075000
2900000
1592000
127000
2174000
131000
732000
863000
13552000
14415000
628000
628000
806000
937000
387000
1119000
1193000
2056000
2530000
11373000
28083000
2530000
12566000
121000
121000
188000
188000
64000
227000
291000
373000
227000
600000
1096000
26000
3084000
4206000
1469000
26000
3311000
1058000
188000
1410000
2656000
32289000
34945000
3000
24000
4000
31000
108000
108000
3000
132000
4000
139000
35000
1498000
163000
1696000
38000
1630000
167000
1164000
636000
1988000
3788000
36885000
32000
32000
491000
101000
592000
523000
101000
624000
963000
235000
1908000
3106000
1486000
235000
2009000
99000
677000
776000
13901000
14677000
476000
476000
559000
658000
173000
173000
418000
1095000
1150000
1926000
1391000
12503000
28271000
1391000
13653000
173000
173000
152000
152000
106000
38000
301000
445000
431000
38000
301000
770000
1714000
47000
3055000
4816000
2145000
85000
3356000
831000
325000
1540000
2696000
33087000
35783000
112000
3000
115000
146000
146000
258000
3000
261000
58000
1503000
167000
1728000
58000
1761000
170000
978000
471000
2132000
3581000
37921000
250000
87000
758000
19000
85000
393000
1592000
30000
48000
49000
127000
1897000
125000
53000
99000
2174000
250000
2014000
883000
120000
233000
393000
3893000
12266000
749000
1083000
317000
14415000
628000
628000
1899000
631000
2530000
8746000
3269000
164000
387000
12566000
23539000
4018000
164000
2101000
317000
30139000
250000
25553000
4901000
284000
2334000
710000
34032000
1405000
64000
1469000
26000
26000
3084000
227000
3311000
4515000
291000
4806000
38000
38000
1630000
1630000
1835000
1835000
6350000
291000
6641000
40673000
379000
586000
31000
264000
226000
1486000
130000
56000
49000
235000
1847000
61000
101000
2009000
379000
2563000
117000
31000
414000
226000
3730000
13118000
151000
1408000
14677000
471000
5000
476000
1391000
1391000
9751000
2925000
977000
13653000
24731000
3076000
2390000
30197000
379000
27294000
3193000
31000
2804000
226000
33927000
2039000
106000
2145000
47000
38000
85000
3055000
301000
3356000
5141000
445000
5586000
1989000
1989000
58000
58000
1761000
1761000
170000
170000
7130000
445000
7575000
41502000
478000
23000
455000
355000
49000
49000
49000
99000
99000
99000
733000
733000
387000
387000
626000
23000
603000
503000
1746000
1143000
603000
503000
491000
78000
413000
246000
101000
101000
62000
592000
78000
514000
308000
677000
677000
407000
407000
1687000
1173000
514000
308000
503000
125000
628000
1000
2000
3000
673000
400000
1703000
1701000
3000
479000
18000
45000
542000
846000
58000
439000
3000
1343000
3000
1885000
3000
500000
1000
1000
120000
620000
2000
670000
390000
1060000
1680000
2000
470000
18000
40000
528000
835000
436000
58000
1329000
1857000
Company had no troubled debt restructurings
Company had no troubled debt restructurings
75000
-28000
1331000
-154000
602000
-734000
1285000
-1000
1417000
129000
129000
959000
959000
129000
129000
1152000
1152000
100000
1177000
-195000
-139000
100000
1177000
206000
1284000
308000
206000
1284000
0.88
0.10
503000
308000
0.0606
0.0627
0.1120
0.1241
The Banks deposits declined by more than $8 million.
600000
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The calculation of net loss income per share follows:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="width:18.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="18%"/>
<td style="width:18.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Three Months Ended September 30, 2012</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:16.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Three Months Ended September 30, 2011</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:16.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Nine Months Ended September 30, 2012</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:16.0%;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Nine Months Ended September 30, 2011</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td></tr>
<tr>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Basic:</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/></tr>
<tr>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net loss available to common shareholders</font></p></td>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(407,236)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(281,056)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(881,941)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$(757,804)</font></p></td></tr>
<tr>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Average common shares outstanding-basic</font></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td></tr>
<tr>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net loss per share-basic</font></p></td>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.38)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.26)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.83)</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.71)</font></p></td></tr>
<tr>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Diluted:</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%"/></tr>
<tr>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Average common shares-diluted</font></p></td>
<td style="width:18.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td>
<td style="width:16.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,065,588</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net loss per share-diluted</font></p></td>
<td style="width:18.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="18%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.38)</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.26)</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.83)</font></p></td>
<td style="width:16.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="top" width="16%">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">$ (0.71)</font></p></td></tr></table></div>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The following is a summary of the Company's investment portfolio as of September 30, 2012: </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(In 000’s)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Amortized Cost</font></b><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Gross unrealized gains</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Gross unrealized losses</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; background:white;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Available-for-sale:</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">903</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">56</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">959</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Investments in money market funds</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="52%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,032</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">56</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,088</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Held-to-maturity:</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">U.S. government agencies</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">3,355</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">171</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">3,526</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">9,044</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">505</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">9,548</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:52.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="52%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">12,399</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">676</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">13,074</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The following is a summary of the Company's investment portfolio as of December 31, 2011: </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(In 000’s)</font></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Amortized Cost</font></b><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Gross unrealized gains</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Gross unrealized losses</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Available-for-sale:</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,094</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">58</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,152</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Investments in money market funds</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="52%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,223</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">58</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,281</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Held-to-maturity:</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">U.S. government agencies</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">7,531</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">158</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">7,689</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:52.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="52%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">9,678</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">373</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">10,049</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:52.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="52%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">17,209</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">531</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">17,738</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr></table></div>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The amortized cost and fair value of debt securities classified as available-for-sale and held-to-maturity, by contractual maturity, as of September 30, 2012, are as follows:</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(In 000’s)</font></p></td>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Amortized Cost</font></b><font style="font-size: 10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:90.0pt;margin-bottom:.0001pt;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN">Available-for-Sale</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="6" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Due in one year</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Due after one year through five years</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Due after five years through ten years</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">903</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">959</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Total debt securities</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">903</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">959</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Investments in money market funds</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">129</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="76%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,032</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,088</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Held-to-maturity</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Due in one year</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Due after one year through five years</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">250</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">270</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Due after five years through ten years</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">3,105</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">3,256</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:76.0%;background:white;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="76%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">9,044</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">9,548</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:76.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="76%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">12,399</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">13,074</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr></table></div>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The table below indicates the length of time individual securities have been in a continuous unrealized loss position at September 30, 2012:</font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td colspan="7" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Less Than 12 Months</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="7" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">12 Months or Greater</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="7" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Description of Securities</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p></td>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Unrealized</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Losses</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Unrealized</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Losses</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Unrealized</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Losses</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Held-to-maturity:</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:27.98%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="27%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">255</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">255</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:27.98%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="27%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Total</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">255</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">255</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(1</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The table below indicates the length of time individual securities have been in a continuous unrealized loss position at December 31, 2011:</font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">(in 000’s)</font></p></td>
<td colspan="7" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Less Than 12 Months</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="7" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">12 Months or Greater</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="7" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Description of Securities</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"/></p></td>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Unrealized</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Losses</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Unrealized</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Losses</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Fair</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Value</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="3" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Unrealized</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p>
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Losses</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Held-to-maturity:</font></p></td>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td colspan="2" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom"/></tr>
<tr>
<td style="width:28.0%;background:white;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="28%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Government Sponsored Enterprises residential mortgage-backed securities</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,018</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,018</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:28.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="28%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Total</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,018</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">1,018</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(2</font></b><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";"/></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></b><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";mso-fareast-language:EN-IN"/></p></td></tr></table></div>
<!--EndFragment-->
<!--StartFragment-->
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">The following table presents an analysis of the allowance for loan losses.</font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" class="MsoNormalTable" width="90%">
<tr style="mso-yfti-firstrow:yes">
<td style="border-top:solid black 1.0pt;border-left:none; border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt:solid black .75pt;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(in 000's)</font></p></td>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="6" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">For the Nine months ended September 30, 2012</font></p></td>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Commercial and industrial</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Commercial real estate</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Consumer real estate</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Consumer loans other</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Beginning balance</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">387</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">412</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">68</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">867</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Provision for possible loan losses</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">172</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(56</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">5</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">121</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Charge-offs</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(56</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(80</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(16</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(152</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Recoveries</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">8</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">14</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">11</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">33</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Net charge-offs</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(56</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">8</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(66</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(5</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(119</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">)</font></p></td></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="40%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;border:none;border-bottom: solid black 1.5pt;background:#CCEEFF;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 1.5pt 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 3.0pt 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Ending balance</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">503</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">364</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">2</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">-</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;border:none;border-bottom: double black 2.25pt;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">869</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:white; padding:0cm 0cm 3.0pt 0cm" valign="bottom" width="1%"/></tr>
<tr style="mso-yfti-lastrow:yes">
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%"/>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr></table></div>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN"> </font></p>
<div align="center">
<table cellpadding="0" cellspacing="0" border="0" style="width:90.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm" width="90%" class="MsoNormalTable">
<tr style="mso-yfti-firstrow:yes">
<td style="border-top:solid black 1.0pt;border-left:none; border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt:solid black .75pt;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">(in 000's)</font></p></td>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="6" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">For the Nine months ended September 30, 2011</font></p></td>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="border:none;border-top:solid black 1.0pt;mso-border-top-alt: solid black .75pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border-top:solid black 1.0pt;border-left: none;border-bottom:solid black 1.5pt;border-right:none;mso-border-top-alt: solid black .75pt;mso-border-bottom-alt:solid black 1.5pt;padding:0cm 0cm 0cm 0cm" valign="bottom"/>
<td nowrap="nowrap" style="border:none;border-top:solid black 1.0pt;padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Commercial and industrial</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Commercial real estate</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Consumer real estate</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Consumer loans other</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/>
<td colspan="2" style="border:none;border-bottom:solid black 1.5pt; padding:0cm 0cm 0cm 0cm" valign="bottom">
<p align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">Total</font></p></td>
<td nowrap="nowrap" style="padding:0cm 0cm 1.5pt 0cm" valign="bottom"/></tr>
<tr>
<td style="width:40.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Beginning balance</font></p></td>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">301</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">553</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">52</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">20</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="1%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">$</font></p></td>
<td style="width:9.0%;background:#CCEEFF;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="right" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:right;line-height:normal" class="MsoNormal"><font style="font-size:10.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman";">926</font></p></td>
<td nowrap="nowrap" style="width:1.0%;background:#CCEEFF; padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/></tr>
<tr>
<td style="width:40.0%;background:white;padding: 0cm 0cm 0cm 0cm" valign="bottom" width="40%">
<p style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal" class="MsoNormal"><font style="font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-language:EN-IN">Provision for possible loan losses</font></p></td>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:1.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="1%"/>
<td style="width:9.0%;background:white;padding:0cm 0cm 0cm 0cm" valign="bottom" width="9%">
<p align="r