24. Other Income and Other Expenses

12 Months Ended

Dec. 31, 2012

Notes to Financial Statements

24. Other Income and Other Expenses

The components of other expenses which are in excess of one percent of total revenues are as follows:

		2012		2011
Expenses
Marketing	$	284,641	$	318,761
State deposit tax		516,348		484,540
Amortization of tax credit investments		1,175,177		615,864
ATM fees		363,478		338,327
Telephone		338,239		332,496
Collection and non-accrual loan expense		249,572		431,186

There were no components of other income in excess of one percent of total revenues for the years ended December 31, 2012 and 2011.