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Leases

12 Months Ended

Dec. 31, 2012

Note 11. Leases

Certain bank premises are leased under operating lease agreements. Generally, operating leases contain renewal options on substantially the same basis as current rental terms. Rent expense charged to operations under all operating lease agreements was $1.3 million in 2012, $1.2 million in 2011, and $2.1 million in 2010.

Future obligations for minimum rentals under noncancelable operating leases at December 31, 2012 are as follows:

($ in thousands)

Year ending December 31:
2013	$	868
2014		844
2015		721
2016		608
2017		515
Thereafter		1,584
Total	$	5,140

- Definition

The entire disclosure for lessee entity's leasing arrangements including, but not limited to, all of the following: (a.) The basis on which contingent rental payments are determined, (b.) The existence and terms of renewal or purchase options and escalation clauses, (c.) Restrictions imposed by lease agreements, such as those concerning dividends, additional debt, and further leasing.

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