2.4.0.8010 - Disclosure - NOTE 4 - ALLOWANCE FOR LOAN LOSSEStruefalsefalse1false falsefalseContext_6ME__30-Jun-2013http://www.sec.gov/CIK0000353191duration2013-01-01T00:00:002013-06-30T00:00:001true 1us-gaap_LoansAndLeasesReceivableAllowanceAbstractus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsexbrli:stringItemTypestringfalse0Loans and Leases Receivable, Allowance [Abstract]2false 2us-gaap_AllowanceForCreditLossesTextBlockus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalseverboseLabel1falsefalsefalse00NOTE 4 – ALLOWANCE FOR LOAN LOSSES   The following table shows the changes in the allowance for loan losses (in thousands):    <table style="width: 100%; border-collapse: collapse;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="30">For the three months ended June 30, 2013</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Construction</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Mortgage</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Installment</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Other</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Unallocated</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Total</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: bold 10pt times new roman, times, serif; text-decoration: underline;">Allowance for Loan Losses</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; width: 12%; font: 10pt times new roman, times, serif;">Balance March 31, 2013</td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">1,170</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">5,720</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">595</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">938</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">87</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">676</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">465</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">9,651</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Charge-offs</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(26</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(3</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(46</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(17</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(55</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(147</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Recoveries</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">16</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">1</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">2</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">4</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">23</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Provisions for loan losses</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(313</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(230</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(157</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">26</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">93</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">299</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">282</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Balance June 30, 2013</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">847</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">5,487</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">439</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">920</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">167</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">920</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">747</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">9,527</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> </table>   <table style="width: 100%; border-collapse: collapse;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="30">For the three months ended June 30, 2012</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Construction</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Mortgage</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Installment</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Other</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Unallocated</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Total</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: bold 10pt times new roman, times, serif; text-decoration: underline;">Allowance for Loan Losses</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; width: 12%; font: 10pt times new roman, times, serif;">Balance March 31, 2012</td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">1,376</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">6,847</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">1,350</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">1,045</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">154</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">811</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">691</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">12,274</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Charge-offs</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(86</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(1,178</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(126</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(190</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(45</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(47</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(1,672</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Recoveries</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">14</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">2</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">37</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">36</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">41</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">130</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Provisions for loan losses</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(44</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">915</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">126</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">34</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(9</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">4</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(26</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">1,000</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Balance June 30, 2012</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">1,260</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">6,586</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">1,387</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">925</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">141</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">768</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">665</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">11,732</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> </table>   <table style="width: 100%; border-collapse: collapse;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="30">For the six months ended June 30, 2013</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Construction</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Mortgage</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Installment</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Other</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Unallocated</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Total</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: bold 10pt times new roman, times, serif; text-decoration: underline;">Allowance for Loan Losses</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; width: 12%; font: 10pt times new roman, times, serif;">Balance December 31, 2012</td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">843</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">6,295</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">690</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">982</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">98</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">721</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">829</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">10,458</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Charge-offs</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(109</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(440</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(369</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(202</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(28</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(55</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(1,203</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Recoveries</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">258</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">3</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">2</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">9</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">272</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Provisions for loan losses</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(145</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(368</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">115</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">138</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">88</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">254</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(82</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Balance June 30, 2013</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">847</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">5,487</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">439</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">920</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">167</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">920</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">747</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">9,527</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="29">As of June 30, 2013</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Reserve to impaired loans</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">88</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">164</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">140</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">392</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Reserve to non-impaired loans</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">759</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">5,487</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">439</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">756</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">167</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">780</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">747</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">9,135</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> </table>   <table style="width: 100%; border-collapse: collapse;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="30">For the six months ended June 30, 2012</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-left: 10pt;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Real Estate</td> <td style="text-align: center; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Construction</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Mortgage</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Installment</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Other</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Unallocated</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="2">Total</td> <td style="text-align: center; padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: bold 10pt times new roman, times, serif; text-decoration: underline;">Allowance for Loan Losses</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; width: 12%; font: 10pt times new roman, times, serif;">Balance December 31, 2011</td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">1,333</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">7,528</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">1,039</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">935</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">185</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">736</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">900</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="width: 1%; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; width: 8%; font: 10pt times new roman, times, serif;">12,656</td> <td style="text-align: left; width: 1%; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Charge-offs</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(206</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(1,617</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(330</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(190</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(142</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(72</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">(2,557</td> <td style="text-align: left; font: 10pt times new roman, times, serif;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Recoveries</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">26</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">63</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">37</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">36</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">65</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">6</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="text-align: right; font: 10pt times new roman, times, serif;">233</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Provisions for loan losses</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">107</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">612</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">641</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">144</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">33</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">98</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">(235</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;">)</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">1,400</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Balance June 30, 2012</td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">1,260</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">6,586</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">1,387</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">925</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">141</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">768</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">665</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="border-bottom: black 1pt solid; text-align: right; font: 10pt times new roman, times, serif;">11,732</td> <td style="text-align: left; padding-bottom: 1pt; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="29">As of June 30, 2012</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Reserve to impaired loans</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">240</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">99</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">529</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">35</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">903</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Reserve to non-impaired loans</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">1,020</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">6,487</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">858</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">890</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">141</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">768</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">665</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">10,829</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="padding-bottom: 1pt; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font: bold 10pt times new roman, times, serif;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font: bold 10pt times new roman, times, serif;" colspan="29">As of December 31, 2012</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Reserve to impaired loans</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">171</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">18</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">—</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">189</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; font: 10pt times new roman, times, serif;">Reserve to non-impaired loans</td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">843</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">6,124</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">672</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">982</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">98</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">721</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">829</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> <td style="font: 10pt times new roman, times, serif;"> </td> <td style="text-align: left; font: 10pt times new roman, times, serif;">$</td> <td style="text-align: right; font: 10pt times new roman, times, serif;">10,269</td> <td style="text-align: left; font: 10pt times new roman, times, serif;"> </td> </tr> </table>   The following table shows the loan portfolio by segment as follows (in thousands):   <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="26">As of June 30, 2013</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2">Real Estate</td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2">Real Estate</td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2">Real Estate</td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Construction</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Mortgage</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Installment</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Other</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Total</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; width: 16%; color: black;">Total Loans</td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">49,054</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">319,206</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">18,535</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">68,637</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">6,026</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">42,547</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">504,005</td> <td style="text-align: left; width: 1%; color: black;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt;">Impaired Loans</td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">648</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">5,002</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">860</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">1,337</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">116</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">393</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">8,356</td> <td style="text-align: left; color: black;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; color: black;">Non-impaired loans</td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">48,406</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">314,204</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">17,675</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">67,300</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">5,910</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">42,154</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">495,649</td> <td style="text-align: left; color: black;"> </td> </tr> </table>   <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="26">As of December 31, 2012</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2">Real Estate</td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2">Real Estate</td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2">Real Estate</td> <td style="text-align: center; color: black; font-weight: bold;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Commercial</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Construction</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Mortgage</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Installment</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Other</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; color: black; font-weight: bold;" colspan="2">Total</td> <td style="text-align: center; padding-bottom: 1pt; color: black; font-weight: bold;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; width: 16%; color: black;">Total Loans</td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">46,078</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">295,630</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">23,003</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">74,353</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">6,689</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">45,941</td> <td style="text-align: left; width: 1%; color: black;"> </td> <td style="width: 1%; color: black;"> </td> <td style="text-align: left; width: 1%; color: black;">$</td> <td style="text-align: right; width: 9%; color: black;">491,694</td> <td style="text-align: left; width: 1%; color: black;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt;">Impaired Loans</td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">585</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">2,962</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">1,371</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">684</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">122</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">111</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">5,835</td> <td style="text-align: left; color: black;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; color: black;">Non-impaired loans</td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">45,493</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">292,668</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">21,632</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">73,669</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">6,567</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">45,830</td> <td style="text-align: left; color: black;"> </td> <td style="color: black;"> </td> <td style="text-align: left; color: black;">$</td> <td style="text-align: right; color: black;">485,859</td> <td style="text-align: left; color: black;"> </td> </tr> </table>   The following table shows the loan portfolio allocated by management's internal risk ratings as defined in Footnote 1 in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012 (in thousands):   <div style="page-break-before: always; margin-top: 6pt;"> <table style="width: 100%; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr> <td style="text-align: left; width: 50%;"></td> <td style="text-align: right; width: 50%;"> </td> </tr> </table> </div>   <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="18">As of June 30, 2013</td> <td style="text-align: center; font-weight: bold;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2">Pass</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2">Special Mention</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2">Substandard</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2">Doubtful</td> <td style="text-align: center; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2">Total</td> <td style="text-align: center; font-weight: bold;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; width: 30%; color: black;">Commercial</td> <td style="width: 3%;"> </td> <td style="text-align: left; width: 1%;">$</td> <td style="text-align: right; width: 9%;">46,828</td> <td style="text-align: left; width: 1%;"> </td> <td style="width: 3%;"> </td> <td style="text-align: left; width: 1%;">$</td> <td style="text-align: right; width: 9%;">1,035</td> <td style="text-align: left; width: 1%;"> </td> <td style="width: 3%;"> </td> <td style="text-align: left; width: 1%;">$</td> <td style="text-align: right; width: 9%;">1,191</td> <td style="text-align: left; width: 1%;"> </td> <td style="width: 3%;"> </td> <td style="text-align: left; width: 1%;">$</td> <td style="text-align: right; width: 9%;">—</td> <td style="text-align: left; width: 1%;"> </td> <td style="width: 3%;"> </td> <td style="text-align: left; width: 1%;">$</td> <td style="text-align: right; width: 9%;">49,054</td> <td style="text-align: left; width: 1%;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; color: black;">Real estate - commercial</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">304,743</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,780</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,683</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">319,206</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; color: black;">Real estate - construction</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18,037</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">498</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18,535</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; color: black;">Real estate - mortgage</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67,596</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,041</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">68,637</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; color: black;">Installment</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,907</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">119</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,026</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; color: black;">Other</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">41,957</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">—</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">590</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">—</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">42,547</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 20pt; color: black;"> Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">485,068</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,815</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">15,122</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">—</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">504,005</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> </table>   <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt;"> </td> <td style="padding-bottom: 1pt; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="17">As of December 31, 2012</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; width: 30%;"> </td> <td style="padding-bottom: 1pt; width: 3%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; width: 1%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; width: 9%; font-weight: bold;">Pass</td> <td style="text-align: left; padding-bottom: 1pt; width: 1%; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; width: 3%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; width: 1%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; width: 9%; font-weight: bold;">Special Mention</td> <td style="text-align: left; padding-bottom: 1pt; width: 1%; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; width: 3%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; width: 1%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; width: 9%; font-weight: bold;">Substandard</td> <td style="text-align: left; padding-bottom: 1pt; width: 1%; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; width: 3%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; width: 1%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; width: 9%; font-weight: bold;">Doubtful</td> <td style="text-align: left; padding-bottom: 1pt; width: 1%; font-weight: bold;"> </td> <td style="padding-bottom: 1pt; width: 3%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: left; width: 1%; font-weight: bold;"> </td> <td style="border-bottom: black 1pt solid; text-align: center; width: 9%; font-weight: bold;">Total</td> <td style="text-align: left; padding-bottom: 1pt; width: 1%; font-weight: bold;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; color: black;">Commercial</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">44,486</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">129</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1,463</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">46,078</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; color: black;">Real estate - commercial</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">278,834</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">16,796</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">295,630</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; color: black;">Real estate - construction</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21,386</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,617</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">23,003</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; color: black;">Real estate - mortgage</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">71,973</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,380</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">74,353</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt; color: black;">Installment</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,562</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">127</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">—</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,689</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt; color: black;">Other</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">45,658</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">—</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">283</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">—</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">45,941</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #eaf9e8; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 20pt; color: black;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">468,899</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">129</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">22,666</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">—</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">491,694</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -10pt; padding-left: 10pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> </table>   <div style="text-align: justify; margin: 0px; font: 10pt times new roman, times, serif;">The allowance for loan losses is established through a provision for loan losses based on management’s evaluation of the probable incurred losses in the loan portfolio. In determining levels of risk, management considers a variety of factors, including, but not limited to, asset classifications, economic trends, industry experience and trends, geographic concentrations, estimated collateral values, historical loan loss experience, and the Company’s underwriting policies. At June 30, 2013, there was a change in the Bank’s method of calculating the historical loss factors applied to loans identified as “homogenous segments” of the loan portfolio as follows: Losses from the past twelve quarters are applied to loan pools based on a “Migration Analysis” method. The method calculates Net Charge Offs (charge offs less corresponding recoveries) and measures them against average balances in loan pools based on the risk grade in effect on charged-off loans four quarters prior to the actual charge off date. The logic behind this four quarter “look back” is to account for management’s estimate of the typical time lapse between the recognition of the problem loan and the recognition of some or all of the loan as uncollectable. In addition, the loss ratios are calculated using “factored” logic which systematically reduces the Net Charge Off value so that charge offs occurring in older periods do not have as much weight as more recent charge offs. Previously, management utilized a methodology which also utilized the Company’s charge-off history from the previous twelve quarters but did not consider the risk grade of those loans related to the charge-off. This modification had the effect of increasing the quantitative loss component of the allowance by $1,446,000. Management of the Company believes that, given the recent trends in historical losses and the correlation of those losses with a loans identified risk grade, that incorporation of a migration analysis in the current and future analyses was a prudent refinement of the allowance methodology. In addition, management believe that the decreases in the overall level of the allowance for loan losses over the past several quarters is directionally consistent with the improving credit quality trends of the loan portfolio. The allowance for loan losses is maintained at an amount management considers adequate to cover the probable incurred losses in loans receivable. While management uses the best information available to make these estimates, future adjustments to allowances may be necessary due to economic, operating, regulatory, and other conditions that may be beyond the Company’s control. The Company also engages a third party credit review consultant to analyze the Company’s loan loss adequacy periodically. In addition, the regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to recognize additions to the allowance based on judgments different from those of management.</div>   The allowance for loan losses is comprised of several components including the specific, formula and unallocated allowance relating to loans in the loan portfolio. Our methodology for determining the allowance for loan losses consists of several key elements, which include:   <table style="margin-top: 0px; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 18pt;"></td> <td style="width: 18pt;">●</td> <td style="text-align: justify;">Specific Allowances. A specific allowance is established when management has identified unique or particular risks that were related to a specific loan that demonstrated risk characteristics consistent with impairment. Specific allowances are established when management can estimate the amount of an impairment of a loan.</td> </tr> </table>   <table style="margin-top: 0px; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 18pt;"></td> <td style="width: 18pt;">●</td> <td style="text-align: justify;">Formula Allowance. The formula allowance is calculated using a “Migration Analysis” method as defined above applied to homogenous pools of loans. Changes in risk grades of both performing and nonperforming loans affect the amount of the formula allowance. Loss factors are based on our historical loss experience and such other data as management believes to be pertinent. Management, also, considers a variety of subjective factors, including regional economic and business conditions that impact important segments of our portfolio, loan growth rates, the depth and skill of lending staff, the interest rate environment, and the results of bank regulatory examinations and findings of our internal credit examiners to establish the formula allowance.</td> </tr> </table>   <table style="margin-top: 0px; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 18pt;"></td> <td style="width: 18pt;">●</td> <td style="text-align: justify;">Unallocated Allowance. The unallocated loan loss allowance represents an amount for imprecision or uncertainty that is inherent in estimates used to determine the allowance.</td> </tr> </table>   The Company also maintains a separate allowance for off-balance-sheet commitments. A reserve for unfunded commitments is maintained at a level that, in the opinion of management, is adequate to absorb probable losses associated with commitments to lend funds under existing agreements, for example, the Bank’s commitment to fund advances under lines of credit. The reserve amount for unfunded commitments is determined based on our methodologies described above with respect to the formula allowance. The allowance for off-balance-sheet commitments is included in accrued interest payable and other liabilities on the consolidated balance sheet and was $146,000 and $143,000 for the periods ended June 30, 2013 and December 31, 2012, respectively.falsefalsefalsenonnum:textBlockItemTypenaThe entire disclosure for allowance for credit losses.No definition available.false0ALLOWANCE FOR LOAN LOSSESfalseNOTE 4 - ALLOWANCE FOR LOAN LOSSESUnKnownUnKnownUnKnownUnKnowntruefalsefalseSheethttp://www.novb.com/role/Note4AllowanceForLoanLosses12