At December 31, 2012 and 2011, there were no holdings of MBS of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders' equity.

The amortized cost, gross unrealized gains and losses and estimated fair value of MBS available-for-sale at December 31, 2012 and 2011 were as follows:

	MBS Available-for-Sale
	Amortized Cost		Gross Unrealized Gains(1)		Gross Unrealized (Losses)(1)			Estimated Fair Value
December 31, 2012:
Federal Home Loan Mortgage Corporation ("FHLMC") pass-through certificates	$	32,218	$	870	$	(25	)	$	33,063
FNMA pass-through certificates		10,233		666		-			10,899
Government National Mortgage Association ("GNMA") pass-through certificates		691		25		-			716
Collateralized mortgage obligations ("CMOs") issued by agencies		2,436		26		-			2,462
Private label MBS and CMOs		1,870		18		(7	)		1,881
TOTAL	$	47,448	$	1,605	$	(32	)	$	49,021

	MBS Available-for-Sale
	Amortized Cost		Gross Unrealized Gains(1)		Gross Unrealized (Losses)(1)			Estimated Fair Value
December 31, 2011:
FHLMC pass-through certificates	$	53,662	$	3,386	$	-		$	57,048
FNMA pass-through certificates		16,583		1,144		-			17,727
GNMA pass-through certificates		763		24		-			787
CMOs issued by agencies		15,128		261		-			15,389
Private label MBS and CMOs		3,013		22		(109	)		2,926
TOTAL	$	89,149	$	4,837	$	(109	)	$	93,877

At December 31, 2012, MBS available-for-sale possessed a weighted average contractual maturity of 17.0 years and a weighted average estimated duration of 1.4 years. At December 31, 2011, MBS available-for-sale possessed a weighted average contractual maturity of 17.1 years and a weighted average estimated duration of 1.7 years.

During the year ended December 31, 2012, gross proceeds on the sales of MBS available-for-sale totaled $21,949. A gross gain of $81 was recognized on these sales and there were no gross recognized losses. There were no sales of MBS available-for-sale during the years ended December 31, 2011 and 2010.

The following summarizes the gross unrealized losses and fair value of MBS available-for-sale at December 31, 2012 and 2011, aggregated by investment category and the length of time that the securities were in a continuous unrealized loss position:

	Less than 12 Months Consecutive Unrealized Losses		12 Months or More Consecutive Unrealized Losses		Total
	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
December 31, 2012:
FHLMC pass-through certificates	$5,867	$25	$-	$-	$5,867	$25
Private label MBS	-	-	954	7	954	7
December 31, 2011:
Private label MBS	$-	$-	$1,505	$109	$1,505	$109

At December 31, 2012, the Company owned one private label pass-through MBS that possessed unrealized losses for 12 or more consecutive months, with an amortized cost of $961 and an unrealized loss of $7. The Company's investment is in the most senior tranche (or repayment pool) of this security. At December 31, 2012, the Company performed an analysis of likely potential defaults of the real estate loans underlying this security in the then existing economic environment, and determined that it could reasonably be expected to continue making all contractual payments. The Company has no intent to sell this security and it is not likely that the Company will be required to sell this security before the recovery of its remaining amortized cost.

At December 31, 2011, the Company owned one private label pass-through MBS that possessed unrealized losses for 12 or more consecutive months, with an amortized cost of $1,614 and an unrealized loss of $109. The Company's investment is in the most senior tranche (or repayment pool) of this security. At December 31, 2011, the Company performed an analysis of likely potential defaults of the real estate loans underlying this security in the then existing economic environment, and determined that it could reasonably be expected to continue making all contractual payments. The Company has no intent to sell this security and it is not likely that the Company will be required to sell this security before the recovery of its remaining amortized cost.