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Leases

12 Months Ended

Dec. 31, 2011

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 $1,226,000 in 2011, $2,076,000 in 2010, and $1,978,000 in 2009.

Future obligations for minimum rentals under noncancelable operating leases at December 31, 2011 are as follows:

($ in thousands)

Year ending December 31:
2012	$	805
2013		751
2014		701
2015		612
2016		513
Later years		2,143
Total	$	5,525

- 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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